topic Re: QUESTION about Which CRA 3 Cards (listed) Use, Please in Credit Cards

QUESTION about Which CRA 3 Cards (listed) Use, Please

Anonymous — Sat, 21 Jun 2014 19:41:09 GMT

Hi everyone!

I am sorry if this is listed somewhere. If it is, please point me to the thread. (I usually do all my own searching here but I have a migraine today so...)

I'm curious what CRA the following cards pull scores from, please:

1. US Bank

2. Citi

3. Care Credit

Oh, and also..I see a lot of people that have NFCU with great CL's. Do you have to be in the military to apply with them? (I think I read you do, but wanted to double check).

Thank you so much for your time and help!

Re: QUESTION about Which CRA 3 Cards (listed) Use, Please

LearningMoreAboutCredit — Sat, 21 Jun 2014 19:50:26 GMT

@Anonymous wrote:
Hi everyone!

I am sorry if this is listed somewhere. If it is, please point me to the thread. (I usually do all my own searching here but I have a migraine today so...)

I'm curious what CRA the following cards pull scores from, please:
1. US Bank
2. Citi
3. Care Credit

Oh, and also..I see a lot of people that have NFCU with great CL's. Do you have to be in the military to apply with them? (I think I read you do, but wanted to double check).

Thank you so much for your time and help!

IIRC,

1. Depends on region of country but EQ or TU

2. EX

3. TU

Re: QUESTION about Which CRA 3 Cards (listed) Use, Please

coldnmn — Sat, 21 Jun 2014 19:55:26 GMT

Sent you a mssage hope it helps.

Re: QUESTION about Which CRA 3 Cards (listed) Use, Please

sexy_kitten7 — Mon, 23 Jun 2014 18:49:54 GMT

That's a rather complicated question.

It depends on your state and the credit card. And even then, it's no guarantee.

There are other websites that compile this info.

Most banks use EX and almost zero use EQ, so you should use your EX pulls very carefully!

Re: QUESTION about Which CRA 3 Cards (listed) Use, Please

Closingracer99 — Mon, 23 Jun 2014 18:51:38 GMT

Citi pulled my Equifax when i got accepted with my Thank you and simplicty cards this week which is a good thing because most of my inquries are on my experian lol

Re: QUESTION about Which CRA 3 Cards (listed) Use, Please

takeshi74 — Mon, 23 Jun 2014 20:37:58 GMT

@Anonymous wrote:
Oh, and also..I see a lot of people that have NFCU with great CL's. Do you have to be in the military to apply with them? (I think I read you do, but wanted to double check).

You can easily verify directly from the source:

https://www.navyfederal.org/how-to-become-a-member/how-to-become-a-member.php

Re: QUESTION about Which CRA 3 Cards (listed) Use, Please

SunriseEarth — Mon, 23 Jun 2014 22:57:30 GMT

@sexy_kitten7 wrote:
That's a rather complicated question.

It depends on your state and the credit card. And even then, it's no guarantee. <----Agree

There are other websites that compile this info.

Most banks use EX and almost zero use EQ, so you should use your EX pulls very carefully! <---Disagree

OP, the first answer you got was fairly accurate. But certainly, YMMV. IME, Care Credit pulled TU, and GE seems to pull TU about 95 times out of 100. However, a recent post stated that EQ was HPed for their app.

I would, however, disagree that most banks use EX. GECRB is of the largest issuers and they seem to use TU overwhelmingly. Discover frequently pulls EQ (they did for me), but they often pull TU. Cap One pulls the three major CRAs (and often two minor CRAs) for their new accounts.