topic Re: Any one know who only pulls Equifax? in Credit Cards

Any one know who only pulls Equifax?

Anonymous — Sun, 18 Mar 2012 23:35:17 GMT

Were trying to build my wifes credit back. Im unsure what her Ex score is, but from this site her TU is a 630 & her EQ is a 680. Im thinking her EX should be close to her EQ since both reports are about the same. She has a charge off on her TU for $1,300 from Applied bank. They bought the account from another CC a few years ago. I was able to get it deleted off her other two reports. Right now she only has two CC, C1 500 cli and an Orchard 400 cli and a student load she owes about $3,000 on. She maked close to 80k last year. I want to get her a new card that would only look at EQ or maybe EX. Any ideas?

Re: Any one know who only pulls Equifax?

LS2982 — Sun, 18 Mar 2012 23:37:26 GMT

@Anonymous wrote:
Were trying to build my wifes credit back. Im unsure what her Ex score is, but from this site her TU is a 630 & her EQ is a 680. Im thinking her EX should be close to her EQ since both reports are about the same. She has a charge off on her TU for $1,300 from Applied bank. They bought the account from another CC a few years ago. I was able to get it deleted off her other two reports. Right now she only has two CC, C1 500 cli and an Orchard 400 cli and a student load she owes about $3,000 on. She maked close to 80k last year. I want to get her a new card that would only look at EQ or maybe EX. Any ideas?

AMEX primarily pulls EX. Chase can be a toss up between EX/EQ. So can Citi. BofA like to pull EX.

Re: Any one know who only pulls Equifax?

pizzadude — Sun, 18 Mar 2012 23:39:49 GMT

Discover and GECRB pulled EQ only for me.

Re: Any one know who only pulls Equifax?

AF_23 — Mon, 19 Mar 2012 01:25:34 GMT

@pizzadude wrote:

Discover and GECRB pulled EQ only for me.

Discover pulled EQ+TU for me

Re: Any one know who only pulls Equifax?

pizzadude — Mon, 19 Mar 2012 01:54:04 GMT

@AF_23 wrote:
@pizzadude wrote:

Discover and GECRB pulled EQ only for me.
Discover pulled EQ+TU for me

You know I just double~checked my TU and Discover did in fact pull both TU and EQ ~ thanks for pointing that out. Somehow I missed it on my TU report....

Re: Any one know who only pulls Equifax?

clocktick — Mon, 19 Mar 2012 03:44:01 GMT

I honestly don't know if there's a card that only pulls EQ. Citi only pulled EQ for me (3 times on 3 different occasions) but it seems to vary from customer to customer. Discover pulled EQ from me as well...but also pulled TU a different time, so you just never know.

Re: Any one know who only pulls Equifax?

trumpet-205 — Mon, 19 Mar 2012 05:35:10 GMT

Credit unions tend to pull EQ. There is NO absolute answer to your question. What lender pulls is the luck of the draw.

Re: Any one know who only pulls Equifax?

bichonmom — Mon, 19 Mar 2012 05:37:58 GMT

Usually if you ask the CCC, bank or cu, they will tell you who they pull. That's the only way yo know for sure.

Re: Any one know who only pulls Equifax?

Anonymous — Mon, 19 Mar 2012 16:25:38 GMT

These were my eq pulls at the stores in Arizona. Best buy. Walmart. I appd for discover of course online n they also pulled eq. My fico 663 at the time with 26mos post chpt 7

Re: Any one know who only pulls Equifax?

littlesister — Mon, 19 Mar 2012 20:14:16 GMT

Elan financial visa pulled equifax for me in nh

Re: Any one know who only pulls Equifax?

Anonymous — Mon, 19 Mar 2012 20:38:08 GMT

I would recommend putting a fraud alert on TU account.. That should prevent automatic pulls from TU and lenders will usually go to other reports when they can't pull it automatically.

Re: Any one know who only pulls Equifax?

LS2982 — Mon, 19 Mar 2012 22:06:41 GMT

@Anonymous wrote:
I would recommend putting a fraud alert on TU account.. That should prevent automatic pulls from TU and lenders will usually go to other reports when they can't pull it automatically.

Re: Any one know who only pulls Equifax?

Anonymous — Wed, 18 Jul 2012 03:20:11 GMT

Wow Crashem. What an amazing idea. I've been reading this post for quite a while and haven't seen that before. Seems genius really. Thanks!

Re: Any one know who only pulls Equifax?

LOC — Wed, 18 Jul 2012 04:21:39 GMT

yeah.... that is creative

Re: Any one know who only pulls Equifax?

CreditChampion — Wed, 18 Jul 2012 05:34:25 GMT

Why a fraud alert instead of a security freeze?

Re: Any one know who only pulls Equifax?

Anonymous — Wed, 18 Jul 2012 05:36:38 GMT

@CreditChampion wrote:
Why a fraud alert instead of a security freeze?

curious as well

Re: Any one know who only pulls Equifax?

aussiesareforever — Wed, 18 Jul 2012 06:16:58 GMT

A fraud alert is free. You will have to pay for a security freeze in most states. Not all though.

However a fraud alert does not prevent a creditor from pulling your credit. The fraud alert just lets the creditor know that they have to verify your identity before extending credit to you. They are required to call a number you provide and ask certain security questions. They will still have access to your credit report. In addition, once you place a fraud alert on one of the CB, the others are automatically notified and you will have a fraud alert on all three of them.You can't have a fraud alert on EQ and not on the other two. It was set up that way to protect individuals and make it a little easier so that you don't have to call all three CB.

I have a fraud alert on my credit reports cause of credit fraud. The last credit application I did went through without a hitch. They did not even call to ask the security question. That only highlights the fact that it is up to the creditor to enforce the fraud alert.

Re: Any one know who only pulls Equifax?

Anonymous — Wed, 18 Jul 2012 06:14:22 GMT

Cough, I made that post before I understood the rules. Using security freezes to get certain reports pulled is considered gaming the system by myfico and should not be discussed.

Re: Any one know who only pulls Equifax?

Anonymous — Wed, 18 Jul 2012 06:17:42 GMT

In answer to the original question:

USAA

PenFed

JFCU

DCU

all primarily pull Equifax

Re: Any one know who only pulls Equifax?

rckstrscott — Wed, 18 Jul 2012 06:23:55 GMT

@aussiesareforever wrote:

In addition, once you place a fraud alert on one of the CB, the others are automatically notified and you will have a fraud alert on all three of them.You can't have a fraud alert on EQ and not on the other two. It was set up that way to protect individuals and make it a little easier so that you don't have to call all three CB.

I dont think this is completely true. I have had misc fraud alerts places on misc reports over the last couple years. I had a potential fraud account on just EQ, and I submitted the polic report to them and it was removed, and an extended fraud alert placed on my EQ --- And it is only on EQ.

I have tried to GW INQs before, and got fraud alerts on different reports at different times, never did they cross pollenate in my situation.

-scott