topic Re: Main Cards That Pull Experian in Credit Cards

Main Cards That Pull Experian

HYPASS33 — Sun, 19 May 2013 03:12:54 GMT

What are the main cards that we know pulls EX??

Re: Main Cards That Pull Experian

Anonymous — Sun, 19 May 2013 03:16:43 GMT

just so we're clear, what is your definition of main cards?

anyhow, American Express and Chase pulls Experian most of the time. They might also double or triple pull from other bureaus, depending on your own situation.

Citi, Bofa, Wells Fargo and US Bank pulls Experian as well, but that might change depending on where you're located.

CapitalOne triple pulls pretty often, but I might be wrong.

Re: Main Cards That Pull Experian

HYPASS33 — Sun, 19 May 2013 03:20:40 GMT

Experian is my best score at 695 is why I ask. Well I should say 695 on EX site, not sure the Fico score so it could be a lot lower. Just looking for another card but want a decent CL.

Re: Main Cards That Pull Experian

Anonymous — Sun, 19 May 2013 03:26:53 GMT

can you tell us more about your profile?
And what are your other scores? What is holding you back? Lates? Chargeoffs? Collections?

The thing you need to becareful about is that if you're borderline approval, chances are the lenders will double or triple pull you. That will not work in your favor then because they'll see your EQ / TU files then.

Where do you reside? In certain states / counties, certain banks pull other bureaus instead. For example Citi pulls EQ in NYC and EX in Los Angeles.

Re: Main Cards That Pull Experian

09Lexie — Sun, 19 May 2013 03:32:30 GMT

The score from that site is a FAKO - unfortunately it's hard to tell without knowing the FICO. And like enharu asked need more info

Re: Main Cards That Pull Experian

HYPASS33 — Sun, 19 May 2013 03:38:36 GMT

All 3 are showing a paid CO from 2010. My oldest card is Capital one but only 500 limit and I just got Walmat( 400) Sams (400) and credit union Visa 500 and line of credit at credit union for 1000.00. Total balance on all are 150.00. Not sure the impact of CO even if its 3 yrs old. TU is 664 and EQ is 605 but have some collections that are about to be removed. All that will remain on al is the CO by the 1st of next month.

Re: Main Cards That Pull Experian

HYPASS33 — Sun, 19 May 2013 03:42:52 GMT

Live in SC

Re: Main Cards That Pull Experian

09Lexie — Sun, 19 May 2013 03:45:01 GMT

Waiting for your baddies and your new accounts to age is the best thing for you. Toy limits should not be your goal - letting your accounts mature and inqs to age will help a lot.

Re: Main Cards That Pull Experian

myjourney — Sun, 19 May 2013 03:49:09 GMT

@09Lexie wrote:
Waiting for your baddies and your new accounts to age is the best thing for you. Toy limits should not be your goal - letting your accounts mature and inqs to age will help a lot.

+1 Time is what you need for better cards and limits....Garden time

Re: Main Cards That Pull Experian

SnackTrader — Sun, 19 May 2013 03:58:43 GMT

Indeed. No new cards! You have all the credit lines you need to raise your score, you just haven't had the time yet. It will all get better over time.

Join the Garden!

Re: Main Cards That Pull Experian

blunderer — Sun, 19 May 2013 04:10:14 GMT

For me Barclays pulled Experian and only Experian.

Re: Main Cards That Pull Experian

09Lexie — Sun, 19 May 2013 04:11:53 GMT

Barclays usually pulls TU

Re: Main Cards That Pull Experian

ztnjpv — Sun, 19 May 2013 04:16:37 GMT

When it comes to Experian, two companies are 100% guaranteed to pull it:

Amex and Capital one.

Amex seems to always pull at least Experian. People talk about HP from Amex on other reports but I dont think it's common at all.

Capital One always pulls all three so they will always pull it.

As for others, it depends. For me, Citi pulled only EQ and Chase pulled only TU. But that's not consistent at all.

Looking at the Credit Pulls Database at Creditboards, BoA seems to "usually" pull experian but it's not iron clad

Re: Main Cards That Pull Experian

HYPASS33 — Sun, 19 May 2013 04:16:52 GMT

I think EQ is big here in SC. I know credit unions pull EQ.

Re: Main Cards That Pull Experian

ztnjpv — Sun, 19 May 2013 04:21:44 GMT

As for guessing your real EX Fico:

My EX fake score from freecreditreport.com is 713. My real EX FICO as of last week was 776. Very different. As others have said, you really need to give more info about your exp report.

Number of accounts, AAoA, inquries, derogs, number of accounts opened in past year etc. All this helps approximate your score to suggest if the Fako is higher or lower than the real FICO.

Re: Main Cards That Pull Experian

HYPASS33 — Sun, 19 May 2013 04:42:52 GMT

GE pulled EX for my Sams card last week but it was lower then but was app for just 400. Heck they already reported a statement with a small balance. Maybe that helped my score, who knows.

Re: Main Cards That Pull Experian

SnackTrader — Sun, 19 May 2013 04:51:40 GMT

Your score will not exceed a certain level until your baddies fall off. Minor score movements upwards are not the trend for you if you keep adding new accounts. Take it easy!

Re: Main Cards That Pull Experian

Anonymous — Sun, 19 May 2013 06:11:39 GMT

Like others have said, I would just wait until the other bureaus update and take off those collections as well, before you do anything.

Because you have 1 collection on file with EX within the past 3 years, there's a slightly higher chance certain lenders will want to double or triple pull you.

Rather than to risk a denial and some wasted inquiries, it's best to just wait it out for a little longer.

Re: Main Cards That Pull Experian

ktl72455 — Sun, 19 May 2013 06:22:09 GMT

And waiting for the months to pass while the cards gets some age is soooo hard!! It seems like the time is going by soooo slow lol!!

Even if your scores were good, they can deny you becuase of too many recent credit lines ( new cards) and too many recent inquires. Things that have nothing to do with your actual score. It looks like to them YOU NEED MONEY and it scares them into saying no.

In the mean time pull your true Fico scores here to give you a more true idea of your scores that you are offering to lenders.

I made a spreedsheet for each card and as each month went by it got a red X under it. Until each one hit 5-6 months, I dont apply or think about it. Its not easy!!

You may only score bump up a few points per month, to others it may seem a waste of time, but each bump up a improvement!!

Patience :-)

Re: Main Cards That Pull Experian

DaveSignal — Sun, 19 May 2013 07:24:46 GMT

IME, the following banks have pulled Experian exclusively:

SDFCU

BoA

Citi

AAFES