Any US bank cards worth a HP ?

Anonymous · ‎01-21-2015

What CRA they pull ? I'm in FL

Themanwhocan · ‎01-21-2015

Personal or business cards?

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

uswala · ‎01-21-2015

They pulled EQ for both my personal cards.

Anonymous · ‎01-21-2015

EQ for business for me.. But you can check the credit pull database to get a better sense of what CRA is pulled in your location.

Anonymous · ‎01-21-2015

go credit board and it will tell you what they pull for florida and the limits given based on the scores.

B335is · ‎01-21-2015

US Bank will pull from any of them. They also pull IDA/ARS or whatever it's called. They pulled TU when I lived in MI, then EX when I moved to CA. So credit pulls is your friend.

They have some ok cards, we need more info on what you consider decent though.

Anonymous · ‎01-21-2015

They pulled EX for your club carlson?

Anonymous · ‎01-21-2015

@Anonymous wrote:
What CRA they pull ? I'm in FL

US Bank is EXTREMELY conservative about who they lend money/credit to. Unless your fico is above 680 - you have 'somewhat' of a chance. They pull Equifax. Their guidelines are pretty strict. They are big on 'debt to income' ratio.

chalupaman · ‎01-21-2015

Make sure you have some kind of product with US Bank before applying. It really can make a difference IMO. They are one of those relationship banks.

Here in GA, they pull from EQ.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

CreditCuriosity · ‎01-21-2015

EX In Tenn typically.