topic Re: What CCC pulls Experian ONLY in Credit Cards

What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 20:51:16 GMT

Can you please enlightment me as to which credit cards companies pull Experian ONLY. Also my firend has a fraud alert on her Experian report. So based on your experience will they call her to issue her credit? Please shade any and all enlighment on this please. Thanks in Advance

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 20:54:15 GMT

@Credit314 wrote:
Can you please enlightment me as to which credit cards companies pull Experian ONLY. Also my firend has a fraud alert on her Experian report. So based on your experience will they call her to issue her credit? Please shade any and all enlighment on this please. Thanks in Advance

typically AMEX pulls EX 99% of the time.

Re: What CCC pulls Experian ONLY

LS2982 — Mon, 01 Oct 2012 21:01:10 GMT

@Anonymous wrote:
@Credit314 wrote:
Can you please enlightment me as to which credit cards companies pull Experian ONLY. Also my firend has a fraud alert on her Experian report. So based on your experience will they call her to issue her credit? Please shade any and all enlighment on this please. Thanks in Advance
typically AMEX pulls EX 99% of the time.

This is true for charge cards, but they are known for pulling others if your file is borderline.

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 21:02:41 GMT

She just informed me that her experian is 700 (FAKO)

Re: What CCC pulls Experian ONLY

LS2982 — Mon, 01 Oct 2012 21:06:00 GMT

@Credit314 wrote:
She just informed me that her experian is 700 (FAKO)

Can she share with us what her EX file looks like??

-Current Accounts

-AAoA

-INQ's

-Any Baddies?

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 21:11:20 GMT

Current Accounts

-AAoA: 4 yrs

-INQ's: 0

-Any Baddies?: 1 repo $17,000 which falls off 02/2013

Uli: 5%

Re: What CCC pulls Experian ONLY

shakalaka — Mon, 01 Oct 2012 21:12:18 GMT

They pulled all three for me. But my history is only 6 months old. So I guess I was borderline, which makes me even happier to have NPSL.

Re: What CCC pulls Experian ONLY

LS2982 — Mon, 01 Oct 2012 21:15:40 GMT

@Credit314 wrote:
Current Accounts
-AAoA: 4 yrs
-INQ's: 0
-Any Baddies?: 1 repo $17,000 which falls off 02/2013
Uli: 5%

What current credit card accounts does she have??

The repo is old but still will have a negative affect.

What card(s) is she interested in?? If your looking for strictly EX, an AMEX charge card my be the way to go.

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 21:21:42 GMT

2 Cap 1 cards. She said EX is her highest score which has only that one baddies and no inqs. The other 2 are worse.

Re: What CCC pulls Experian ONLY

Dishpro — Mon, 01 Oct 2012 21:39:17 GMT

Discover pulls EX in NM

Re: What CCC pulls Experian ONLY

LS2982 — Mon, 01 Oct 2012 21:41:12 GMT

@Credit314 wrote:
2 Cap 1 cards. She said EX is her highest score which has only that one baddies and no inqs. The other 2 are worse.

Sorry for all the ?'s, but how long has the 2 cap1 cards been open??

Re: What CCC pulls Experian ONLY

youngandcreditwrthy — Mon, 01 Oct 2012 21:43:04 GMT

idk if this is true....

AMEX pulled TU for me last night

BOA only pulled EXP for me like a year ago.. but I hate boa haha

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 21:49:11 GMT

2 yrs for 1 and 1.6 yrs for the other one

Re: What CCC pulls Experian ONLY

LS2982 — Mon, 01 Oct 2012 21:52:45 GMT

@Credit314 wrote:
2 yrs for 1 and 1.6 yrs for the other one

Tell her try for one of AMEX's charge cards. I think she'd be fine getting one. Have her look at their charge products and see what would fit her spending profile.

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 22:00:48 GMT

Will do @ LS2982

Re: What CCC pulls Experian ONLY

LS2982 — Mon, 01 Oct 2012 22:08:56 GMT

@Credit314 wrote:
@Anonymous do @ LS2982

Good luck, let us know if she gets in with AMEX!

Re: What CCC pulls Experian ONLY

Anonymous — Mon, 01 Oct 2012 22:14:59 GMT

Of course I will. She is a little afraid at this moment. She doesnt really want a charge with them she said but more of a actually credit card

Re: What CCC pulls Experian ONLY

Anonymous — Tue, 02 Oct 2012 00:45:28 GMT

Her application with AMEX say pending review what does that mean?

Re: What CCC pulls Experian ONLY

youngandcreditwrthy — Tue, 02 Oct 2012 01:08:07 GMT

It means they may need to do some verification.... Mine said "in progress" before it said approved !!

Re: What CCC pulls Experian ONLY

Anonymous — Tue, 02 Oct 2012 01:21:12 GMT

She has to send in a address verification then they will let her know. DOes that mean she is approved? Can she app for the rev too now to avoid the additional pull later?