topic Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ? in Credit Cards

Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Wed, 26 Oct 2011 23:09:58 GMT

I want to also try and get an unsecured CC and hoping they will

use only Transunion because that score is the highest.

I won't be using these cards other than to pay for small bills ..just trying to build credit back up.

Thanks

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

CreditCrusader — Wed, 26 Oct 2011 23:15:12 GMT

@Bluerain wrote:
I want to also try and get an unsecured CC and hoping they will
use only Transunion because that score is the highest.

I won't be using these cards other than to pay for small bills ..just trying to build credit back up.

Thanks

With your scores, I'd think Discover More would be a good fit. I believe they check EQ and TU...someone correct me if I'm mistaken please!

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Wed, 26 Oct 2011 23:22:18 GMT

I have a history of late payments...not for lack of funds..I'm too lazy !...and CA's that were paid off and 3 open Collections that I'm taking care of.

Honestly..I thought my score's would be much lower than they are.

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

KIPPIE12 — Thu, 27 Oct 2011 02:18:46 GMT

Barclays is 99% TU puller. Discover usually pulls TU and EQ.

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Thu, 27 Oct 2011 02:23:22 GMT

Hmmmm... Do they just check your score or go deeper ?

Thanks

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

android01 — Thu, 27 Oct 2011 02:28:07 GMT

Even automated systems go deeper than just a score. Score is just one part of a person't credit profile.

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Thu, 27 Oct 2011 04:40:49 GMT

Thanks android

I have the android samsung galaxy indulge..no problems here ( NYC ) with 4g ..also have extended battery so it works like a charm

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

cashnocredit — Thu, 27 Oct 2011 04:35:15 GMT

I too always had way more in the bank than my CC charges. Back when I had credit cards, 20 years ago, I used to pay about 3 months worth of charges in advance then I'd wait until I started getting the "red envelopes" and pay the back couple of months and the next three months in advance. I figured the late fees and interest was their compensation. I was working day and night at the time and just didn't have the time to deal with it. The CC companies never complained. I guess each of them could see the pattern so they weren't freaked out. Amex, OTOH, a charge card I rarely used, just called out of the blue and canceled after I made one charge and paid it on time. Go figure. I gradually stopped using all my CCs and switched to a debit card since I didn't have to pay any monthly bills with it. Dumb move but I had no idea what credit reports even were.

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Anonymous — Thu, 27 Oct 2011 04:38:10 GMT

@KIPPIE12 wrote:
Barclays is 99% TU puller. Discover usually pulls TU and EQ.

I just opened a new Barclays card, i was initially denied after the pulled TU, then when I called for a recon, they approved me and the next day I got the hard pull notification from Experian...

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Thu, 27 Oct 2011 04:46:15 GMT

Yes cashno credit

I been using a debit card for years but I need a mortgage now and debit card does nothing for my credit report.

What a clown I was.....just like you I let the bills go because I was too busy or just lazy..not for lack

of money and now I can't get a credit card even tho I own property and have a good job.

I want to sell my co-op and get a house while the deals are still out there.

It's all my own fault..I don't blame them but if they were to dig really deep

they would see I do have money and a good job and own my own co-op but none of that means anything I guess.

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Thu, 27 Oct 2011 04:48:54 GMT

mstew

May I ask how's your credit report / scores and past history ?

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Anonymous — Thu, 27 Oct 2011 05:01:07 GMT

Sure, I'm only 21 so my history isn't too long. My oldest account is Cap1 which is just over 3 years. My scores sit somewhere between 660-675 as of right now, and I have one baddie, which was a collection on a closed checking account that had an outstanding check that I wasn't aware of, I paid the collection in full over 2 years ago and it still reports closed, paid as agreed.

As it stands right now, I have 7 revolving accounts, with around 4000 in total lines, balances around 1000, which I am in the process of paying off, probably within the next 3-4 months considering the upcoming holiday season. I have a handful of student loans, one private, the rest from the DOE. Lastly, I have 2 installment loans from Ford Credit, opened this year, with total balances around $45000 combined.

I probably have around 15 inqs on my report from this year

Hope this helps!

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Thu, 27 Oct 2011 05:23:42 GMT

Thanks so much Mstew

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Anonymous — Thu, 27 Oct 2011 07:41:47 GMT

@Anonymous wrote:
Sure, I'm only 21 so my history isn't too long. My oldest account is Cap1 which is just over 3 years. My scores sit somewhere between 660-675 as of right now, and I have one baddie, which was a collection on a closed checking account that had an outstanding check that I wasn't aware of, I paid the collection in full over 2 years ago and it still reports closed, paid as agreed.

As it stands right now, I have 7 revolving accounts, with around 4000 in total lines, balances around 1000, which I am in the process of paying off, probably within the next 3-4 months considering the upcoming holiday season. I have a handful of student loans, one private, the rest from the DOE. Lastly, I have 2 installment loans from Ford Credit, opened this year, with total balances around $45000 combined.

I probably have around 15 inqs on my report from this year

Hope this helps!

Yea unfortunately even though you make good on a collection it's going to stay there for 7 years unless the CA agreed to send a letter to CRA requesting deletion of the collection or you can always try disputing the collection because 90% of the time they have wrong info and if they can't verify it accurately then it must be deleted. There is some info about it on this forum and there are a few other forums I know of but I don't think I can post the links here so if you want to know the URL's PM ME

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

MarineVietVet — Thu, 27 Oct 2011 16:57:48 GMT

@Anonymous wrote:

Yea unfortunately even though you make good on a collection it's going to stay there for 7 years unless the CA agreed to send a letter to CRA requesting deletion of the collection or you can always try disputing the collection because 90% of the time they have wrong info and if they can't verify it accurately then it must be deleted. There is some info about it on this forum and there are a few other forums I know of but I don't think I can post the links here so if you want to know the URL's PM ME

What would be the basis of that dispute?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Anonymous — Thu, 27 Oct 2011 20:50:44 GMT

I would have no basis to dispute the collection. Even though the circumstances of it suck and all, It really was my fault for not reconciling my account completely for outstanding checks before I closed the account. I'm not a fan of having the collection on my report, but I only have 1, and it hasn't really hindered my ability to get credit, so I'm not going to worry about it...

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

boomhower — Fri, 28 Oct 2011 06:21:34 GMT

Try for a Barcly card. 99.9% of the time they pull TU.

Also take a look at pageonce.com. Open and account there and you will never miss another CC payment. It is a free site and will keep track of all you cards, due dates, minimum payments, etc. On top of credit cards and banks they have power companies, insurance companies, cell phone bills, and even your investment accounts. Of all my accounts the only thing they don't have is my CU and a small local loan place. They have just about everything but if you have other bills you can set them manually. You can set up a variety of alertts and different time periods and reasons. It's an awesome service and the price is right FREE. They even have free apps for the iPhone, iPad, and Android. The Android version kind of sucks but the iOS versions are just as powerful as the website itself. I realy can't overstate my love of that sight.

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

MMAYFIELD0309 — Fri, 28 Oct 2011 19:01:29 GMT

Awesome website man! So simple to use too! Thanks!

Re: Unsecured Credit Card That Only Checks Transunion.....Does it Exist ?

Ms-Kato — Fri, 28 Oct 2011 23:32:15 GMT

I downloaded the pageonce app for my android....nice screen layout..Haven't tested it tho.