topic Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit in Credit Cards

What CRA does Target and Shell (gas card by CitiBank) pull for credit

MichiganMommy — Sat, 12 Jul 2008 21:01:05 GMT

Thanks...Trying to help DS (Dear Sister). She has NO revolving or installment credit, but scores are in the high 600s. Been only on hubby mortgage for years. Trying to establish on her own.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sat, 12 Jul 2008 21:59:54 GMT

Citi has been pulling EQ for me, but I just applied for another card and they said they are now pulling EX. As always YMMV.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

USC08 — Sat, 12 Jul 2008 22:05:56 GMT

Same here. They pulled EQ for Exxon Mobil card and EX for Macy's.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Logical — Sat, 12 Jul 2008 22:23:53 GMT

Last Year: (in western flyover country)

Target was Equifax

Below for CITI:

Equifax:

Home Depot

Experian:

Citi (don't know what)

Macy/Dsnb

Conoco/Phillips MC

TransUnion

Conoco/Phillips gas card

Shell gas card

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sun, 13 Jul 2008 02:28:45 GMT

Target pulls either EQ or TU.

YMMV.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sun, 13 Jul 2008 05:00:13 GMT

Missouri here and Target pulled TU.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sun, 13 Jul 2008 05:41:49 GMT

Target pulled 2 on me when I applied. TU and Innovis according to the CSR.

Message Edited by Givemesomecredit on 07-12-2008 10:41 PM

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sun, 13 Jul 2008 05:42:51 GMT

Givemesomecredit wrote:
Target pulled 2 on me when I applied. TU and Innovis according to the CSR.

Message Edited by Givemesomecredit on 07-12-2008 10:41 PM

Innovis? Really?

Wow. I think that's the first time I've ever heard of a creditor pulling Innovis for an approval.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sun, 13 Jul 2008 05:47:36 GMT

Honestly, I had never heard of Innovis before she mentioned them. I was surprised they pulled two inquiries but with their credit card problems with rising deliquencies, I guess I shouldn't be. Anyway, I rather it be Innovis than one of the big 3 for the 2nd inquiry.

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

USC08 — Sun, 13 Jul 2008 05:48:25 GMT

what is innovis?

Re: What CRA does Target and Shell (gas card by CitiBank) pull for credit

Anonymous — Sun, 13 Jul 2008 05:49:35 GMT

USC08 wrote:

what is innovis?

Innovis is a fourth CRA, much, much smaller than TU, EX, and EQ. Creditors rarely even report to them, let alone pull from them.