topic Re: Who pulls exclusively Equifax in Credit Cards

Who pulls exclusively Equifax

Kathy4NU — Wed, 03 Apr 2013 19:44:56 GMT

My Equifax report is perfectly clean with only 1 hard pull on it from last May.

Which credit card pulls Equifax?

Not sure of my score yet as I am waiting on a Score Alert. I suspect it will be in the low 700's. My file is very very thin.

Currently, only have 1 VISA with $1000 limit and 10% reporting

Victoria Secret $350 with $2 reporting

Student Loan with perfect payment history

3 closed student loans PAID

AAoA is 6.9 years

Re: Who pulls exclusively Equifax

Anonymous — Wed, 03 Apr 2013 20:17:13 GMT

USAA does, and with 700 I would think you would be approved

Re: Who pulls exclusively Equifax

rtw — Wed, 03 Apr 2013 20:18:38 GMT

Ditto to USAA and they give nice starting limits.

Re: Who pulls exclusively Equifax

thom02099 — Wed, 03 Apr 2013 20:25:13 GMT

@Kathy4NU wrote:
My Equifax report is perfectly clean with only 1 hard pull on it from last May.

Which credit card pulls Equifax?

Not sure of my score yet as I am waiting on a Score Alert. I suspect it will be in the low 700's. My file is very very thin.

Currently, only have 1 VISA with $1000 limit and 10% reporting
Victoria Secret $350 with $2 reporting
Student Loan with perfect payment history
3 closed student loans PAID

AAoA is 6.9 years

http://ficoforums.myfico.com/t5/Credit-Cards/Does-any-CCC-pull-EQ-exclusively/m-p/2007249#M556128

Re: Who pulls exclusively Equifax

blk8 — Wed, 03 Apr 2013 20:32:15 GMT

Depending on your location, Discover likes to pull them as well.

Re: Who pulls exclusively Equifax

Anonymous — Wed, 03 Apr 2013 20:44:17 GMT

It varies by state with some lenders but credit unions typically pull Equifax. With me, USAA and NFCU used Equifax for the credit card products - I am in WA state.

Re: Who pulls exclusively Equifax

LisaJ — Wed, 03 Apr 2013 21:02:10 GMT

Chase and Citi, in South Florida.

Re: Who pulls exclusively Equifax

Anonymous — Wed, 03 Apr 2013 21:43:53 GMT

@Kathy4NU wrote:
My Equifax report is perfectly clean with only 1 hard pull on it from last May.

Which credit card pulls Equifax?

Not sure of my score yet as I am waiting on a Score Alert. I suspect it will be in the low 700's. My file is very very thin.

Currently, only have 1 VISA with $1000 limit and 10% reporting
Victoria Secret $350 with $2 reporting
Student Loan with perfect payment history
3 closed student loans PAID

AAoA is 6.9 years

PenFed

Re: Who pulls exclusively Equifax

Anonymous — Wed, 03 Apr 2013 22:25:31 GMT

Citizens bank. They have solid credit cards but maybe too high apr for your taste?

Re: Who pulls exclusively Equifax

Kathy4NU — Wed, 03 Apr 2013 22:28:56 GMT

Ok, I pulled my EQ report on here. My score is 715.

2 questions.

My current Visa with a CL of $500 was increased to $1000 and is not reporting yet - should hit today or tomorrow. (It usually hits on the 3rd). Also I paid my utilization down and than with the increased cl I should be around 10%.

1. Should I wait until this hits my reports before I apply? My score might bump up a little from that.

I went to USAA website. My father is deceased but he did serve in the Army and Korean war so I should be elgible to join. I have his ss and other stuff at home. I think I will join when I get home from work.

2. What type of CL do you think I will see? Remember my only other cc reporting is my VISA that will have a $1000 limit reporting. Other than that I only have student loans reporting. But my credit file is 20+ years old and my AAoA is 6 years.

Thanks!!!

Re: Who pulls exclusively Equifax

Anonymous — Wed, 03 Apr 2013 22:33:32 GMT

I would advise you wait until its updated

Re: Who pulls exclusively Equifax

Anonymous — Wed, 03 Apr 2013 22:34:51 GMT

With such a long history I think you'll be fine applying now

Re: Who pulls exclusively Equifax

Kathy4NU — Thu, 04 Apr 2013 00:45:48 GMT

So I went ahead and applied with USAA and was denied. I asked to talk with a credit analysis and I was put on hold for a couple minutes. He came back and said they are all busy and I would know something in the next week or two. He said they would review it. Not getting my hopes up.

He said they had 4 reasons listed and than he said all 4 reasons sounded the same to him. To short of revolving history (only 11 months old), not enough history with revolving accounts. I can't remember what the other 2 reasons were but they both had to do with having a short history with revolving accounts.

Which brings up....... What is sufficient history when it comes to revolving? What is my next step?

Re: Who pulls exclusively Equifax

Anonymous — Thu, 04 Apr 2013 15:09:54 GMT

I guess I would of waited til the reports updated but too late now, good luck hopefully you can get in with usaa