Best strategy for apps? Equifax 720, TU & Exp 640 scores.

[Superduper2014]

I have only 2 credit cards as of today after rebuilding.

One Quicksilver with a 5k limit and a wells fargo with a $900 limit.

It has been a year with cap one and almost 2 with Wells. 

It is time for more cards, but I have a discrepancy in my credit reports. 

Equifax is not showing a couple of charged off accounts that are currently updating monthly on my TU and Experian, which is great, but EQ is also not showing my Cap one credit card with the 5k limit with good payment history and usage.I have contacted them and created an online dispute, but they still don't have the correct info. 

So my scores are TU and EXP 640 and EQ is 720

What would be the best way to use this to my advantage and hopefully get a few good cards? 

I know I would have to find a card that pulls EQ only, but I thought your suggestions of cards to apply and strategy would be best.  My home address is in TN.

Thanks in advance. 

[Anonymous]

I've heard Discover is ok with thin files, you might want to check their prequalify page to see if you can get a Discover IT. 5% cash back on rotating quarterly categories

[Superduper2014]

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@Anonymous wrote:

I've heard Discover is ok with thin files, you might want to check their prequalify page to see if you can get a Discover IT. 5% cash back on rotating quarterly categories

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I settled with Discover a few years back, so they are not going to give me credit again. I tried them last year and was denied. 

Thanks

[Anonymous]

Barclay is a TU puller. Citi/Chase loves pulling both EX/EQ..esp for thin files. Synchrony I believe only pull EQ. You may want to look at them first since EQ is your strongest score. 

[Gmood1]

I'd hit Alliant for a $500 shared secured loan first. Let it report 9% remaining balance. SP by the way. As soon as it reports. Hit PenFed for membership and grab a useful CC or two and PLOC on the same EQ pull.

[Gmood1]

Synchrony pulls TU by the way.

[Jesedmotherof5]

Syncbrony pulls TU... I tried to get them off of a 716 creditwise score before I found out credit wise was vantage 3.0. And my score was really 591...

[Anonymous]

PenFed pulls Equifax and gives nice apt and limits small donation of $15 and $5in share savings account .. Pull to join and mostly only use 1 pull for most products for up to 90 days

[Meanmchine]

Cabelas Visa pulls EQ.  Its a fun card and is on my wish list for xmas.  I believe Citi co-branded cards like BestBuy pull EQ also. Might want to double check that

[Anonymous]

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@Gmood1 wrote:
Synchrony pulls TU by the way.

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Corret bad typo.