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Credit Card Application that uses Experian

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RebelSon
Contributor

Credit Card Application that uses Experian

I want to apply for an amex card and I know they pull Exp and Exp isnt my strongest report. If I lock it, will amex pull TU or EQ?

Dont want to waste a hp for exp.
Exp fico 630
Eq fico 688
Tu fico 640
Starting Score: 460
Current Score: 750
Goal Score: 800


Take the myFICO Fitness Challenge
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Credit Card Application that uses Experian

They'll pull what they want to pull. If they decide they want Ex they'll tell you to unlock it or no card for you.

Message 2 of 7
fltireguy
Valued Contributor

Re: Credit Card Application that uses Experian

OP - just want to mention that talking bout freezing CR's in order to app for cards (and have the bank pull an alternate bureau) is a major no no on MF
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 3 of 7
Anonymous
Not applicable

Re: Credit Card Application that uses Experian

OP, I posted about this subject once and received a slap on the wrist from the mods saying that I was violating the TOS, so be warned that they take issue with the suggestion of doing this (manipulating which bureau is pulled).

Message 4 of 7
peghede
Valued Contributor

Re: Credit Card Application that uses Experian

Amx will only pull Experian , allot others who pull exp ,some credit unions and banks.vs/mc and retail cards.

Message 5 of 7
Anonymous
Not applicable

Re: Credit Card Application that uses Experian

Amex
Message 6 of 7
UncleB
Credit Mentor

Re: Credit Card Application that uses Experian

We're not permitted to discuss freezing a bureau with the intent to force a creditor to use a different bureau on a credit app.

 

With this in mind and since the question was addressed this thread is now locked and closed to new messages.

 

--UB

Message 7 of 7
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