topic Re: Who pulls TU? in Credit Cards

Who pulls TU?

Anonymous — Sat, 22 Dec 2012 22:28:53 GMT

I have significantly fewer INQs on my TU report here in Northern California.

Re: Who pulls TU?

visorboy1974 — Sat, 22 Dec 2012 22:41:19 GMT

Barclays

Re: Who pulls TU?

Ron1 — Sat, 22 Dec 2012 22:49:22 GMT

State Farm Bank, Barclays, Chase, Discover, BofA, GE.

Ron.

Re: Who pulls TU?

kevinjjc — Sat, 22 Dec 2012 22:56:29 GMT

@Ron1 wrote:
State Farm Bank, Barclays, Chase, Discover, BofA, GE.

Ron.

I'm in New York... Chase pulled EX. Discover pulled EQ.

Re: Who pulls TU?

kevinjjc — Sat, 22 Dec 2012 23:08:06 GMT

GECRB (Walmart, JCPenney, Lowe's, Gap, Banana Republic, Old Navy, Amazon, Toys“R”Us, etc.)

Re: Who pulls TU?

bichonmom — Sat, 22 Dec 2012 23:18:16 GMT

The only ones I've seem consistently pull TU are Barclays and GEMB. Chase pulled ex for me, and I'm on the west coast. They told me that they use all 3 and couldnt confirm which one would be pulled until after it was done. Also many CUs tend to use TU, but you'd need to call them and find out which they pull.

Re: Who pulls TU?

daveg38 — Sat, 22 Dec 2012 23:27:57 GMT

Generally speaking, GECRB (Amazon, Walmart), Barclay's, BofA and occasionally credit unions (who don't use EQ) will pull TransUnion.

That being said, regional factors will also dictate whether Citi or Discover are EX or EQ (respectively) will be used, or both TU.

AMEX you can nearly bet your life will pull Experian. Occasionally, fax-ins due to freezes diverting the HP could render another report being pulled or viewed.

Capital One likes all three. In fact, they often pull three simultaneously. They'd pull your high school transcripts if possible.

The rest of your national issuers are a crapshoot as to what they'll pull. Again, it's usually a 'regional' thing.

Re: Who pulls TU?

Anonymous — Sun, 23 Dec 2012 03:06:31 GMT

What are Barclay's best cards?

Re: Who pulls TU?

bichonmom — Sun, 23 Dec 2012 03:54:04 GMT

It's not really a question of best. It's more a matter of what you're looking for and which rewards are best for you.

Re: Who pulls TU?

Anonymous — Sun, 23 Dec 2012 05:59:01 GMT

I like no AF's and large sign-up bonus's. Pretty much all card types are useful at some point to me.

Re: Who pulls TU?

bichonmom — Sun, 23 Dec 2012 06:11:49 GMT

Here's a list of the diff Barclays cards: http://www.financeglobe.com/Finance/issuer36.php

Their Rewards MC and Priceline are 2 of the more popular ones. It really does depend on what type of rewards you're looking for. After I got the Rewards MC, I realized that Priceline actually has a really good rewards program and can be redeemed for statement credit, which is what I like. They don't PC as a general rule, so it's best to do thorough research before you app.

Many have a sign-up bonus.

Re: Who pulls TU?

visorboy1974 — Sun, 23 Dec 2012 06:22:38 GMT

Check out the NFL Extras cards...I've seen up to $200 sign up bonuses for it.

Re: Who pulls TU?

Revelate — Sun, 23 Dec 2012 06:45:07 GMT

BOFA rarely pulls TU for account opening, and not for anyone in CA to my knowledge assuming they've lived here for a reasonable amount of time. BOFA does reliably pull TU though for CLI's, which if your Transunion report tends to be grossly underutilized like mine (in S. Cali) then it's not a bad option.

I think as far as CU's go, EQ > EX > TU honestly, I don't know many that consistently pull TU at least of those that are discussed here on the forum.

Re: Who pulls TU?

Anonymous — Sun, 23 Dec 2012 13:55:20 GMT

@daveg38 wrote:
Generally speaking, GECRB (Amazon, Walmart), Barclay's, BofA and occasionally credit unions (who don't use EQ) will pull TransUnion.

That being said, regional factors will also dictate whether Citi or Discover are EX or EQ (respectively) will be used, or both TU.

AMEX you can nearly bet your life will pull Experian. Occasionally, fax-ins due to freezes diverting the HP could render another report being pulled or viewed.

Capital One likes all three. In fact, they often pull three simultaneously. They'd pull your high school transcripts if possible.

The rest of your national issuers are a crapshoot as to what they'll pull. Again, it's usually a 'regional' thing.

LMAO at pulling high school transcripts if they could!!!

Re: Who pulls TU?

kevinjjc — Sun, 23 Dec 2012 15:52:08 GMT

@Anonymous wrote:
What are Barclay's best cards?

@Anonymous wrote:
I like no AF's and large sign-up bonus's. Pretty much all card types are useful at some point to me.

2 Barclays credit cards come to mind for me:

Priceline Rewards Visa for 2% cashback.
Barclays NFL Extra Points for $400 signup bonus (after 1k spend in 90 days).

Re: Who pulls TU?

Anonymous — Sun, 23 Dec 2012 19:57:39 GMT

@kevinjjc wrote:
@Anonymous wrote:
What are Barclay's best cards?
@Anonymous wrote:
I like no AF's and large sign-up bonus's. Pretty much all card types are useful at some point to me.
2 Barclays credit cards come to mind for me:

Priceline Rewards Visa for 2% cashback.
Barclays NFL Extra Points for $400 signup bonus (after 1k spend in 90 days).

Yes, I have the Barclaycard Rewards, and that is inferior to the Priceline (beware there are several versions, some which give 1% rather than 2). I would also add the ring, as that has an 8% APR with no balance transfer fee (so move balances there after 0% periods on other cards end).

Re: Who pulls TU?

jwduke — Mon, 24 Dec 2012 16:36:54 GMT

USAA pulls TU also...

Re: Who pulls TU?

Repo-ed — Mon, 24 Dec 2012 16:44:00 GMT

www.whogavemecredit.com

Re: Who pulls TU?

Revelate — Mon, 24 Dec 2012 20:44:33 GMT

@jwduke wrote:
USAA pulls TU also...

It's seriously once in a blue moon that they do: EQ >>> EX > TU for them looking at the online databases. I really don't know why they're so heavily biased that way assuming they do pull all three, unless they get deep discounts from EQ, but they're known to pretty much pull EQ exclusively.

Re: Who pulls TU?

kevinjjc — Mon, 24 Dec 2012 21:40:04 GMT

@jwduke wrote:
USAA pulls TU also...

USAA almost always pulls EQ.