topic Re: Which card companys use Equifax? in Credit Cards

Which card companys use Equifax?

JoshNurse — Tue, 08 Jul 2014 05:55:18 GMT

My Equifax just bumped up to 768 so I am wondering which card companys use Equifax?

Re: Which card companys use Equifax?

mongstradamus — Tue, 08 Jul 2014 05:59:40 GMT

@JoshNurse wrote:
My Equifax just bumped up to 768 so I am wondering which card companys use Equifax?

From my limited experience seems like discover and credit unions are only ones that us eq solely on application . some of the more experienced people on here can also chime in

Re: Which card companys use Equifax?

Anonymous — Tue, 08 Jul 2014 06:00:21 GMT

Chase sometimes pulls EQ .. sometimes when you recon you can ask that they pull EQ.

Re: Which card companys use Equifax?

TheGardner — Tue, 08 Jul 2014 10:04:36 GMT

Freeze EX and TU then "most" will pull EQ

Re: Which card companys use Equifax?

09Lexie — Tue, 08 Jul 2014 14:20:00 GMT

@TheGardner wrote:
Freeze EX and TU then "most" will pull EQ

Unfortunately, lenders may not complete the app until you unlock your CR's. On the case of a double pull, the OP will have an inq on EQ and due to the condition of EX/TU CR's his app would be declined.

Also, I'm sure you are aware that myFICO does not advocate the freezing of your CR's so that lenders are forced to pull a more favorable bureau.

Re: Which card companys use Equifax?

CreditPlay — Tue, 08 Jul 2014 14:28:56 GMT

Target and discover are the ones who pulled EQ for me.

Re: Which card companys use Equifax?

JoshNurse — Tue, 08 Jul 2014 14:30:51 GMT

I paid myfico for all three and all of my scores are now over 765+ so this thread was just to know what cards pull equifax.

Thanks

Re: Which card companys use Equifax?

takeshi74 — Tue, 08 Jul 2014 14:31:30 GMT

It's a bit much to expect everyone to list out every possibility and the CRA used can also depend on one's location. I suggest Googling and looking at the credit pulls database.

Re: Which card companys use Equifax?

lonelyisland — Tue, 08 Jul 2014 14:37:27 GMT

Try googling credit pull database, and use the form there. While its also not 100% (similarly to general advice from people spread around the country) it also takes into account your state, and might give you a better overall picture.

Edit: Sorry Takeshi, I was typing when you posted.

Re: Which card companys use Equifax?

juggalo9er — Tue, 08 Jul 2014 16:17:15 GMT

forum credit union.....not sure if you have to be a member your rate with that score would be 5.24% variable

Re: Which card companys use Equifax?

pip3man — Tue, 08 Jul 2014 18:39:06 GMT

@TheGardner wrote:
Freeze EX and TU then "most" will pull EQ

True I agree with u. That strategy worked for me with Discover, BOA and MCU...that's what I do to get creditors pull whatever report I want them and it has always been successful.

Re: Which card companys use Equifax?

Anonymous — Tue, 08 Jul 2014 19:47:56 GMT

@takeshi74 wrote:
It's a bit much to expect everyone to list out every possibility and the CRA used can also depend on one's location. I suggest Googling and looking at the credit pulls database.

+1. Just in case it's not clear to the OP: While there are some issuers that mainly/nearly always pull from one CRA, such as Amex on EX and Barclays on TU (and double pulls are still possible from these), many of the big issuers vary their pulls by region, so issuer X might pull EQ in CA, but TU in ME. The credit pulls database contains people's self-reported experience, on what was pulled, their score, and success (with CL) or failure for that app.

Re: Which card companys use Equifax?

robbulous — Tue, 08 Jul 2014 22:48:08 GMT

Discover is the only one that's pulled it for me. Most pull Experian in Texas. Chase will pull EQ in addition to Experian if you're borderline.

Re: Which card companys use Equifax?

Swapmeet — Tue, 08 Jul 2014 22:51:28 GMT

USAA pulls Eq

Re: Which card companys use Equifax?

B335is — Tue, 08 Jul 2014 22:54:30 GMT

Some credit pulls are obvious, like Amex pulling EX or Barclays pulling TU, but most are not. A Citi applicant in New York may take a different pull than one in California, so a lot of it has to do with geography. A few EQ for me:

Discover

FNBO

Commerce Bank

Comenity

KeyBank

Huntington