topic Collection fallen off Experian,ready to app.Which cc for EXPERIAN? in Credit Cards

Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

MountainHiker — Sat, 02 Mar 2013 01:54:15 GMT

Time goes by fast can't believe that collection has now fallen off my Experian. Should happen in april for EQ and TU. Question is which prime credit card companies pull mostly Experian,except for american express?

Thanks

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

j_casteel — Sat, 02 Mar 2013 01:55:25 GMT

whogavemecredit.com and google "credit pulls database"

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

E150GT — Sat, 02 Mar 2013 01:55:32 GMT

wells fargo pulled experian for me. Chase and discover did not.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

racer-x — Sat, 02 Mar 2013 02:02:30 GMT

BoA, Ohio.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

ObeyJohnny12 — Sat, 02 Mar 2013 02:04:22 GMT

Chase normally pulls experian. In CA.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

ObeyJohnny12 — Sat, 02 Mar 2013 02:05:17 GMT

Btw congrats on the collection falling off!

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Anonymous — Sat, 02 Mar 2013 02:25:34 GMT

@MountainHiker wrote:
Time goes by fast can't believe that collection has now fallen off ...

This is exactly what happened to me. Before applying to anyone, I'd shop for the credit you want, then start categorizing to bureaus. The reason is because of the inquiries pulling down your score. Your score updates almost instantly and each pull lowers the score for a few months. I made the mistake of not applying to the card I wanted at first and got denied after getting approved for some nice CCs because I was 14 points below due to inquiries. Granted, I didn't know I wanted it before I started applying, but that, too, was because I didn't research enough.

If I could turn back time, I'd ask around and become prepared like you're doing. Good luck, and good for you for being vigilant over your reports!

For EX, you may want to check out some credit unions. I remember reading recently that a few of them pull EX only. Sorry for being vague. I mainly wanted to post my congratulations to you.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

MountainHiker — Sat, 02 Mar 2013 02:27:50 GMT

@ObeyJohnny12 wrote:
Btw congrats on the collection falling off!

Thank you everyone really want to get this right.

Thank you ObeyJohnny. Really is a BIG deal to have a clean report.7 years is a long time to work with negatives on my file. I wonder if CitiBank pulls Experian?

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

MountainHiker — Sat, 02 Mar 2013 02:48:46 GMT

@Anonymous wrote:
@MountainHiker wrote:
Time goes by fast can't believe that collection has now fallen off ...
This is exactly what happened to me. Before applying to anyone, I'd shop for the credit you want, then start categorizing to bureaus. The reason is because of the inquiries pulling down your score. Your score updates almost instantly and each pull lowers the score for a few months. I made the mistake of not applying to the card I wanted at first and got denied after getting approved for some nice CCs because I was 14 points below due to inquiries. Granted, I didn't know I wanted it before I started applying, but that, too, was because I didn't research enough.

If I could turn back time, I'd ask around and become prepared like you're doing. Good luck, and good for you for being vigilant over your reports!

For EX, you may want to check out some credit unions. I remember reading recently that a few of them pull EX only. Sorry for being vague. I mainly wanted to post my congratulations to you.

Wow, what a very supportive post.Thank you for that. I must say I learned a lot during this experience of not having a clean report.There are certain things I would never want to repeat.And there is something symbolic in new beginnings. That is another reason why its important that I attempt to make better choices this time around. Before, I didn't truly understand how credit worked, the value in keeping utlization low or, difference in prime cards versus the others. Better informed better results is a true statement. I would like to add CitiBank and Discover.

But right now would like to give my EQ a bit of a rest(even after its clean) and only go after cards that are Experian friendly. Very open to a good credit Union.Wonder if USAA pulls experian?

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Anonymous — Sat, 02 Mar 2013 02:59:05 GMT

Citibank pulls experian, just got approved for citi thankyou preferred monday and thats who they pulled. In the past they have also pulled experian for me and for my sister they also pulled experian. I also just got Discover It and was surprised they pulled all 3 bureaus. But i least i got approved. I say go for citi and wait for the discover, just in case.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

racer-x — Sat, 02 Mar 2013 03:06:58 GMT

Usaa is EQ. For whatever reason, most CU's pull EQ

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Anonymous — Sat, 02 Mar 2013 03:11:37 GMT

@MountainHiker wrote:
Wonder if USAA pulls experian?

You're welcome.

USAA pulls Equifax only.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Anonymous — Sat, 02 Mar 2013 03:17:58 GMT

1+ most CU's pull EQ

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

coachmiff — Sat, 02 Mar 2013 14:08:11 GMT

chase and us bank for me in upstate NY--congrats!

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

youngandcreditwrthy — Sat, 02 Mar 2013 14:16:14 GMT

Pretty sure BOA and Amex pull EXP in Tx.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

LS2982 — Sat, 02 Mar 2013 14:56:00 GMT

Best way to figure it out is to use whogavemecredit.com.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Swapmeet — Sat, 02 Mar 2013 15:05:59 GMT

Or the credit pulls database at creditboards -- or both; I use both.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

Anonymous — Sat, 02 Mar 2013 15:50:37 GMT

@MountainHiker wrote:
@ObeyJohnny12 wrote:
Btw congrats on the collection falling off!
Thank you everyone really want to get this right.
Thank you ObeyJohnny. Really is a BIG deal to have a clean report.7 years is a long time to work with negatives on my file. I wonder if CitiBank pulls Experian?

MountainHiker, I am in EXACTLY the same boat. Literally.

I just got the very last baddie ejected by Equifax from my report and the other two bureaus are crystal clean. Plus I just paid off all my accounts (left a small balance on one of less than 5%).

Right now I am pouring over the forums and reading the fine print on the cards I am interested in and which are suggested to me by the wiser folks here.

I have very few inquires as well and if you look in my siggy, you will see I am also an AU on some other cards so that will probably help as well.

What I have come up with for my situation is a three prong attack plan of:

Discover IT (Since they are being generous and I am already on a Disc account as an AU)

Chase Freedom (I bank there) for the rewards

Amex Premeire Gold (I can use it to buy fuel for the planes I fly which I get reimbursed right away for from my client)

If approved for Amex Prem Gold, app right away for BCP

Garden for 6 months to a year.

Research my options while in the garden.

I don't want to go crazy and blow my inq up but I do want to do them all at once. I am even toying with the idea of a multi browser window app process but I dunno.

A LOT of the prime cards seem to rely on Equifax from what I can see. ALL of them can and will pull from other bureaus for whatever reasons they feel though, so don't get too fixated on expecting them to pull where you think.

I chose reasonable cards for the first round and the BCP app is in there only if I get Instant Amex Prem Gold approval, otherwise I think I will go for BCE.

I am still trying to figure out if I app for BCP and don't make it will AMex consider me for the BCE under the same pull? I might just call them and ask the horse itself.

I hope this helps.

Re: Collection fallen off Experian,ready to app.Which cc for EXPERIAN?

MountainHiker — Sun, 03 Mar 2013 00:04:07 GMT

@Anonymous wrote:
@MountainHiker wrote:
@ObeyJohnny12 wrote:
Btw congrats on the collection falling off!
Thank you everyone really want to get this right.
Thank you ObeyJohnny. Really is a BIG deal to have a clean report.7 years is a long time to work with negatives on my file. I wonder if CitiBank pulls Experian?
MountainHiker, I am in EXACTLY the same boat. Literally.
I just got the very last baddie ejected by Equifax from my report and the other two bureaus are crystal clean. Plus I just paid off all my accounts (left a small balance on one of less than 5%).
Right now I am pouring over the forums and reading the fine print on the cards I am interested in and which are suggested to me by the wiser folks here.
I have very few inquires as well and if you look in my siggy, you will see I am also an AU on some other cards so that will probably help as well.

What I have come up with for my situation is a three prong attack plan of:
Discover IT (Since they are being generous and I am already on a Disc account as an AU)
Chase Freedom (I bank there) for the rewards
Amex Premeire Gold (I can use it to buy fuel for the planes I fly which I get reimbursed right away for from my client)
If approved for Amex Prem Gold, app right away for BCP
Garden for 6 months to a year.
Research my options while in the garden.

I don't want to go crazy and blow my inq up but I do want to do them all at once. I am even toying with the idea of a multi browser window app process but I dunno.
A LOT of the prime cards seem to rely on Equifax from what I can see. ALL of them can and will pull from other bureaus for whatever reasons they feel though, so don't get too fixated on expecting them to pull where you think.

I chose reasonable cards for the first round and the BCP app is in there only if I get Instant Amex Prem Gold approval, otherwise I think I will go for BCE.
I am still trying to figure out if I app for BCP and don't make it will AMex consider me for the BCE under the same pull? I might just call them and ask the horse itself.

I hope this helps.

Really like your strategy for building credit its well thought out.I can't give you a good answer as to the workability of using duel browsers when apping. Have never tried it myself but I've heard good and bad opinions about the outcome with several people having enjoyed success with that method. Being a pilot catering to the needs of private clients probably does require having a few cards with sizable limits, what with petrol being so expensive not to mention the other services requested(food,alcohol,ground transportation ect). I'm using my cards for only personal expenditures so a combined amount of $50k is more than enough.Five good cards would be excellent with one of them having a substantial limit. When are you going to begin your first app attempt?