topic Re: Finding best Cards based upon Credit Agency and Region in General Credit Topics

Finding best Cards based upon Credit Agency and Region

Anonymous — Fri, 01 Nov 2019 15:21:31 GMT

The person who recommended MyFICO.com to me told me there's a way to search for which credit cards check which credit agencies, and also favor certain regions. One of my credit agencies has a better score and I'm looking to boost my chance of getting more credit by applying to cards who will be more favorable to me. Thanks everyone!

Re: Finding best Cards based upon Credit Agency and Region

Brian_Earl_Spilner — Fri, 01 Nov 2019 15:39:43 GMT

The database they were talking about is on another forum that we're not allowed to link to. Pretty sure we can't even mention their name. 👀 There is a thread here that has application datapoints, but I have no idea what it's called or where it is. Someone else may be able to link it.

Re: Finding best Cards based upon Credit Agency and Region

Remedios — Fri, 01 Nov 2019 15:42:37 GMT

Hi and welcome @Anonymous

Credit monitoring services get paid to peddle cards/applications. Basically, they get paid whenever you apply through their website. Whether you're approved or denied does not make any difference

You would be better off describing your situation, listing the cards/loans you have, and any negative info here in Credit Cards forum.

You'd get a lot better and more reasonable suggestions that way.

As far as which CRA will get a HP, that often depends on where you live with a few notable exceptions

Re: Finding best Cards based upon Credit Agency and Region

Remedios — Fri, 01 Nov 2019 15:44:11 GMT

While there is an old database elsewhere, you can use this as a general guidance

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/m-p/5542910#M276042

Re: Finding best Cards based upon Credit Agency and Region

Brian_Earl_Spilner — Fri, 01 Nov 2019 15:45:24 GMT

There it is

Re: Finding best Cards based upon Credit Agency and Region

Anonymous — Sat, 02 Nov 2019 21:34:27 GMT

Thanks so much for the guidance! I guess I'll post that in this same thread which I seem to have started.

I appreciate that you sent that older thread along, I'm guessing that was what my friend told me about. Very helpful.

Re: Finding best Cards based upon Credit Agency and Region

Anonymous — Tue, 03 Dec 2019 16:50:18 GMT

Thanks for your answer! What's the story on secret forums that we can't link to? As a myFICO newbie, I don't understand...

Re: Finding best Cards based upon Credit Agency and Region

FinStar — Tue, 03 Dec 2019 20:20:30 GMT

@Anonymous wrote:
Thanks for your answer! What's the story on secret forums that we can't link to? As a myFICO newbie, I don't understand...

@Anonymous- due to the nature of the contents on some external credit boards/blogs, and per the myFICO Forums TOS, such external links/discussions are not permitted. Links to other sources such as TPG, Doctor of Credit, Reddit, FlyerTalk, etc., are permitted as long as it does not violate the TOS or involve any prohibited discussions such as MS, for instance.

Re: Finding best Cards based upon Credit Agency and Region

Anonymous — Wed, 04 Dec 2019 15:33:24 GMT

Okay, thanks so much for that detailed explanation! Helpful to know.