cancel
Showing results for 
Search instead for 
Did you mean: 

Cards that pull EQ?

Highlighted
Super Contributor

Cards that pull EQ?

What are some good cards that most probably pull EQ?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 1 of 40
39 REPLIES 39
Highlighted
Frequent Contributor

Re: Cards that pull EQ?


@Birdman7 wrote:
What are some good cards that most probably pull EQ?

These come to mind,  PENTAGON FCU,  TARGET,  HSBC BANK,  DISCOVER,  COMENITYBANK,  CITIBANK,  CAPITAL ONE-(All Reports) BB&T,  . Maybe some moreSmiley LOLHeart



Message 2 of 40
Highlighted
Community Leader
Senior Contributor

Re: Cards that pull EQ?

@Birdman7 

 

Just took a look at my long list on my report.

 

Penfed- opinions differ on good or bad

DCU

Citizens bank

Elan financial 

BB&T - geo based

 

I live in VA

EXP 758 TU 783 EQ 729
Message 3 of 40
Highlighted
Super Contributor

Re: Cards that pull EQ?

Penfed as noted above. $10k max for new customers. Not sure on their current hard pull policy. Expect 1 pull for joining, another for CC, and another for PLOC. Free EQ 9 report.

Langley FCU. Not sure on ther CC offerings. Free EQ 8 report.
Message 4 of 40
Highlighted
Established Member

Re: Cards that pull EQ?

US Bank pulled EQ (and no other CRA) for a recent visa application (I'm in Maryland).

Message 5 of 40
Highlighted
Established Contributor

Re: Cards that pull EQ?

As you know, this will be geographically depoendant.  But, since I have had the same question in the past, I identified these as potentials:

 

TARGET (TD Bank)  

HSBC, 

Discover

Comenity,

Citi,

BB&T,

 

I can personally confirm that Target and Discover did.  I THINK that HSBC just did as well.

 

 

050719:     
080420:     

Message 6 of 40
Highlighted
Super Contributor

Re: Cards that pull EQ?

Thanks for all the responses. Got Citi, BBT, Elan, and US Bank. But Elan and USB always hit TU for me in Fla. Citi and BBT always EQ for me.

HSBC, huh? hmmm...any others anyone?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 7 of 40
Highlighted
Established Contributor

Re: Cards that pull EQ?

If you shop at target, you might really consider that Target card.  I presume you would get the MasterCard version, so not your typical store card.  

 

Come to thnk of it, do TD Bank branded cards pull EQ?   Probably.

050719:     
080420:     

Message 8 of 40
Highlighted
Valued Contributor

Re: Cards that pull EQ?

Discover is highly regional. You can’t count on EQ pull.

 

-Comentity for this Visa and MC

-Key Bank

 

This question comes up a lot. Credit_is_crack made a list back in June. That thread got to over 100 comments:

 

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

Message 9 of 40
Highlighted
Established Contributor

Re: Cards that pull EQ?


@Morpho wrote:

Discover is highly regional. You can’t count on EQ pull.


 

Yup!

 

Discover was EX for me. USAA is the only one to pull EQ for me.

    EQ=841        TU=834         EX=834      INQ=0/0/0     UTIL=1%        AZEO


Message 10 of 40
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.