topic Re: Which cards to apply for Equifax? in Credit Cards

Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 20:59:47 GMT

I reside in NYC, am currently cleaning up my credit (removed some unverifiables, paid off others, added/ing AUs)...

If I want to rebuild with credit-cards, and my Equifax is head and shoulders above TU and EX, which cards would people recommend to apply for?

Also, how are secured cards/bank-loans viewed/scored and what is the best way to go about getting them?

Re: Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 21:00:13 GMT

Credit unions seem to favor Equifax.

Re: Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 21:20:45 GMT

anything citibank (eq pull here in MD for everything I have issued by them)

Re: Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 21:27:22 GMT

Thanks! So CC's usually pull just one agency and that is dependent on the city being applied in/for? My Ex/TU are not great yet, and I'd hate to have those tank my application...

Re: Which cards to apply for Equifax?

MidnightVoice — Thu, 13 Dec 2007 21:30:44 GMT

Chase pulls EQ for me

Re: Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 21:31:50 GMT

cap 1 pulled all three on me.... not sure if it is city/state dependent - I know I have 12 INQs on EQ from Citi and it's other cards....(HD, Exxon, Citgo, etc)

Re: Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 21:52:29 GMT

There's always the jewelry store cards...Kay, JB Robinson, Jared.

Re: Which cards to apply for Equifax?

orl2185 — Thu, 13 Dec 2007 22:10:53 GMT

nyccc2 wrote:
I reside in NYC, am currently cleaning up my credit (removed some unverifiables, paid off others, added/ing AUs)...

If I want to rebuild with credit-cards, and my Equifax is head and shoulders above TU and EX, which cards would people recommend to apply for?

Also, how are secured cards/bank-loans viewed/scored and what is the best way to go about getting them?

Wassup fellow NYer, lol i'm also in NYC. Consider going with JFCU, or Penfed both pull strictly EQ here in NYC. As for citi, they pull TU here.

JFCU by far best CSR I've ever encountered. GL

What are the scores if I may ask?

Re: Which cards to apply for Equifax?

Anonymous — Thu, 13 Dec 2007 23:20:22 GMT

I didn't even know you could apply for credit-cards from Unions, go figure.

I'm embarrassed to post current scores, it has been a reallllly bad early-mid decade, but am almost done with cleaning and such. Started at;

500/525/627

Within 45 days when the dispute removals, paids, and AUs hit I'm hoping to get to
600/625/720

but that may be very wishful thinking.

In any event, establishing some credit this year is critical. I'll look into those two (and Citibank) when I get my early year scores.

Thanks all.

Re: Which cards to apply for Equifax?

fused — Thu, 13 Dec 2007 23:42:06 GMT

my bad!

Message Edited by fused on 12-13-2007 01:42 PM

Re: Which cards to apply for Equifax?

Anonymous — Sat, 15 Dec 2007 00:32:27 GMT

I've come up with these as good shots;

Household
Target
Walmart
PayPal
Circuit City
Dillards
GM
Home Depot
JCPenny
Lowes
Navy Federal Credit Union
Nextel
Portland Teachers Union
Union Plus
USAA

Re: Which cards to apply for Equifax?

haulingthescoreup — Sat, 15 Dec 2007 01:15:45 GMT

For Navy FCU and USAA, you need some sort of military connection.

You might want to throw Justice FCU (JFCU) in there, too. It has some huge fans on these forums. If I recall, you have to join the NSA (National Sheriff's Association?) to qualify for membership, but it appears that they will happily take your money, even without a law enforcement tie.

And there's also NASA FCU, which I guess also pulls EQ.

And here's a biggie to add: since opting back in (from the opt-out list), I've been flirting with Bank of America on their on-line preapproval site. I just pulled my full Equifax report, and I see that they are softing me on EQ.

I can't remember if I saw this mentioned, but you can also check whogavemecredit -dot-com. I find it pretty maddening, and they show all the old 2004 results first, but you can get ideas there as well. Here's the link (I'm in Firefox, so you'll need to copy/ paste):

http://whogavemecredit.com/

Before you app a store card, do research first on the bank that underwrites it. There are some horrible banks behind what seem to be great store cards. It doesn't mean that you shouldn't get them, just that you should know who you're dealing with.

Re: Which cards to apply for Equifax?

Anonymous — Sat, 15 Dec 2007 01:38:14 GMT

Thanks for the heads up. I got my results from a group on yahoo, whopulledmycredit.com Here is the link to the spreadsheet, I think you might need to join the group to gain access; http://finance.groups.yahoo.com/group/whopulledmycredit/database?method=reportRows&tbl=5&sortBy=1&sortDir=down&startAt=&prntRpt=1

Re: Which cards to apply for Equifax?

Anonymous — Sat, 15 Dec 2007 08:52:14 GMT

@Anonymous wrote:
I've come up with these as good shots;

Household
Target
Walmart
PayPal
Circuit City
Dillards
GM
Home Depot
JCPenny
Lowes
Navy Federal Credit Union
Nextel
Portland Teachers Union
Union Plus
USAA

I am in NYC too. Household I cannot comment on but Orchard (both are HSBC) pulls EX. Target and Paypal have pulled EQ. The rest of these I have no experience with but others that pull EQ are Kay Jewelers (give great limits) and Nordstrom (unfortunately the closest one is in LI but you probably wouldn't approve for this anyway). I can say that I've not seen neither CITI nor Chase pull EQ here: Chase is EX and CITI TU.

Re: Which cards to apply for Equifax?

Red1Blue — Sat, 15 Dec 2007 13:08:44 GMT

Sterling Cards, Kay / Jared / JB Robinson pulled EQ for me.