topic Re: Who use ONLY Experian Report in Credit Cards

Who use ONLY Experian Report

diebadcredit6504 — Wed, 22 Jan 2014 16:18:37 GMT

What's going on guys. Well I just checked my EXP report and I have 10 accounts in good stating and SIX that neg but closed. I was wondering which CC only pulls from EXP? I'm thinking about applying for a CC..

Thanks!

Re: Who use ONLY Experian Report

Hockeyplayrr — Wed, 22 Jan 2014 16:25:38 GMT

I believe American Express primarily pulls Experian. However if you are borderline I have heard of them pulling other CBs as well.

Re: Who use ONLY Experian Report

MsLadyRover — Wed, 22 Jan 2014 16:33:00 GMT

I think Bank of America primarily pulls Experian for new approvals.

Re: Who use ONLY Experian Report

Hockeyplayrr — Wed, 22 Jan 2014 16:34:46 GMT

@MsLadyRover wrote:
I think Bank of America primarily pulls Experian for new approvals.

They pulled equifax for me. Located in New Jersey.

Re: Who use ONLY Experian Report

diebadcredit6504 — Wed, 22 Jan 2014 16:38:21 GMT

Just reviewed my EX report again and there a collection with a balance due of $600.00. I'm going to pay that off before I pull the trigger and that will be next Friday.

Re: Who use ONLY Experian Report

virgo — Wed, 22 Jan 2014 16:42:01 GMT

They pull Experian but like the other poster said, if you ask, they will pull someone else. They did for me.

Re: Who use ONLY Experian Report

-NewGuy- — Wed, 22 Jan 2014 16:59:08 GMT

Most companies that I know of that primarily pull EX also pull someone else if you are not a clear cut approval.

Re: Who use ONLY Experian Report

-Wade- — Wed, 22 Jan 2014 19:13:46 GMT

@gcalvillo6504 wrote:
What's going on guys. Well I just checked my EXP report and I have 10 accounts in good stating and SIX that neg but closed. I was wondering which CC only pulls from EXP? I'm thinking about applying for a CC..

Thanks!

Amex always uses EX on me

Re: Who use ONLY Experian Report

hyp0luxa — Wed, 22 Jan 2014 20:28:55 GMT

Citibank primarily uses Experian

Re: Who use ONLY Experian Report

Anonymous — Wed, 22 Jan 2014 21:46:05 GMT

Comenity!

Re: Who use ONLY Experian Report

efranklin23 — Wed, 22 Jan 2014 22:22:09 GMT

@Hockeyplayrr wrote:
I believe American Express primarily pulls Experian. However if you are borderline I have heard of them pulling other CBs as well.

+1 AMEX usually pulls EX but looking at those scores I would definitely stay away from AMEX at the moment. I believe some Comentiy cards tend to SP (rarely HP) EX as well. And if you're in Florida, Chase tends to pulls EX here as well if that helps.

Re: Who use ONLY Experian Report

efranklin23 — Wed, 22 Jan 2014 22:23:09 GMT

@MsLadyRover wrote:
I think Bank of America primarily pulls Experian for new approvals.

BofA pulls TU here (Florida) for everything except borderline accounts in which they pull both (EX and TU)

Re: Who use ONLY Experian Report

efranklin23 — Wed, 22 Jan 2014 22:24:04 GMT

@gcalvillo6504 wrote:
Just reviewed my EX report again and there a collection with a balance due of $600.00. I'm going to pay that off before I pull the trigger and that will be next Friday.

Before you pay it off, try to see if you can get an PFD (Pay for Delete) so you can better clear your report.

Re: Who use ONLY Experian Report

-NewGuy- — Wed, 22 Jan 2014 22:51:20 GMT

@efranklin23 wrote:
@gcalvillo6504 wrote:
Just reviewed my EX report again and there a collection with a balance due of $600.00. I'm going to pay that off before I pull the trigger and that will be next Friday.
Before you pay it off, try to see if you can get an PFD (Pay for Delete) so you can better clear your report.

Yes, if that is your only and / or most recent baddie, PFD would help you out a lot. Although probably not by next Friday.

And again, keep in mind that even those lenders that pull EX in a certain area or for a certain product will almost always pull EQ or TU if your application is borderline.

Re: Who use ONLY Experian Report

efranklin23 — Wed, 22 Jan 2014 22:54:02 GMT

@msf12555 wrote:
@efranklin23 wrote:
@gcalvillo6504 wrote:
Just reviewed my EX report again and there a collection with a balance due of $600.00. I'm going to pay that off before I pull the trigger and that will be next Friday.
Before you pay it off, try to see if you can get an PFD (Pay for Delete) so you can better clear your report.
Yes, if that is your only and / or most recent baddie, PFD would help you out a lot. Although probably not by next Friday.

And again, keep in mind that even those lenders that pull EX in a certain area or for a certain product will almost always pull EQ or TU if your application is borderline.

+1 I wouldn't be pulling any triggers until you can wait for the paid collection to report (or PFD) to clear it off so you'll have beter chances.

Remember: Credit is not a race but a journey!!!!

Re: Who use ONLY Experian Report

mrcredit7 — Thu, 23 Jan 2014 00:01:17 GMT

Amex and Citi pulled EX on me...

Re: Who use ONLY Experian Report

Creditaddict — Thu, 23 Jan 2014 00:36:55 GMT

I'm confused by this thread... your EX is under 600? and you want an EX puller only? you should not apply for anything!

and comenity pulled EQ for me for Pottery Barn (I also thought they would pull EX!)

Re: Who use ONLY Experian Report

Anonymous — Thu, 23 Jan 2014 02:43:27 GMT

@Creditaddict wrote:
I'm confused by this thread... your EX is under 600? and you want an EX puller only? you should not apply for anything!
and comenity pulled EQ for me for Pottery Barn (I also thought they would pull EX!)

Exp FAKO is 598?

6 Neg accounts? How old are they? Are they paid off? I know you said closed, but do they have a balance?

American Express and Citi I do not think will approve. My DH could not get either with a 6 1/2 year old paid, closed bad account and all 3 ficos from 710-740.

I am not sure if I read your post wrong, but I am confused too.

Re: Who use ONLY Experian Report

diebadcredit6504 — Thu, 23 Jan 2014 13:39:46 GMT

Morning GUYS, sorry for just getting back to you guys. My EX has 10 accts in good standing. I have six baddies which ONE has a balance of $600.00. I already contacted the collection AGENT about two weeks ago and they are waiting for the final payment which will be next Friday to have it delete off my credit report. They are even going to mail me a letter stating it a PIF for deletion.

Also the six baddies that will remain are listed below -

For this four items I've been sending out GW letter to try and have them removed but no luck for the past 3 months, but I'm going to keep trying.

1 - Wells Fargo Secure Card closed Feb 2012 Zero balance - Two 30 days late reported 2011

2 - Bank of America Secure card Closed Feb Sept 2011 zero balance - Reported a few lates in 2010

3 - Conns - Charged off as of Oct 2013 - Reported Zero Balance

4 - Conns - Charge off as of Sept 2012 - Reported Zero Balance

5 - University of Phoenix - Charge off as Jan 2014 - Reported zero balance. - I'm already in process in getting this item removed and waiting on a response back from the school. I'm hoping it will get deleted because at the end it wasn't my fault.

6 - Admin Recovery - Collections Due $600.00 - This item WILL be deleted as soon as I make my final pmt next Friday. It just showed up on my report two week ago and jump on it right way and it paid off because its being PIF and deleted from my credit report

Re: Who use ONLY Experian Report

Creditaddict — Thu, 23 Jan 2014 17:23:09 GMT

@gcalvillo6504 wrote:
Morning GUYS, sorry for just getting back to you guys. My EX has 10 accts in good standing. I have six baddies which ONE has a balance of $600.00. I already contacted the collection AGENT about two weeks ago and they are waiting for the final payment which will be next Friday to have it delete off my credit report. They are even going to mail me a letter stating it a PIF for deletion.

Also the six baddies that will remain are listed below -

For this four items I've been sending out GW letter to try and have them removed but no luck for the past 3 months, but I'm going to keep trying.

1 - Wells Fargo Secure Card closed Feb 2012 Zero balance - Two 30 days late reported 2011
2 - Bank of America Secure card Closed Feb Sept 2011 zero balance - Reported a few lates in 2010
3 - Conns - Charged off as of Oct 2013 - Reported Zero Balance
4 - Conns - Charge off as of Sept 2012 - Reported Zero Balance

　
5 - University of Phoenix - Charge off as Jan 2014 - Reported zero balance. - I'm already in process in getting this item removed and waiting on a response back from the school. I'm hoping it will get deleted because at the end it wasn't my fault.

6 - Admin Recovery - Collections Due $600.00 - This item WILL be deleted as soon as I make my final pmt next Friday. It just showed up on my report two week ago and jump on it right way and it paid off because its being PIF and deleted from my credit report

yeah I would not be applying for anything EX even after the deltion of this collection.

possibly a GE backed card for the TU pull like 76 gas, walmart, chevron but probably hold tight a bit.