Who pulls exclusively Equifax? I have very few inq on EQ and my score is 720. I would really like to add one more card with a nice credit line. I have zero negatives on my report and my utilization is about 15%.
EX is also perfect but that score is only 699. Seems everyone pulls EX for me so more inquires. Also a perfect report. Expecting this to jump in the low 700's as I just paid of 2 cards that were carrying high balances on 0% interest that was about to expire.
TU is my nightmare. Sitting at 685. 2 paid judgments from 6 years ago that are not mine but I can't get removed as they keep coming back verified. (Although both EQ and EX investigated and found my name was not on them (solely exhusbands with no connection to me). Also TU seems to be slow updated balances that have been paid off on cards.
Currently have:
Chase Freedome: $1000 tried for a CLI and denied. (revolving balance as I pay off once a week but this is my go to card for 5% categories)
Chase Disney: $3000 no balance
Capital One: $1000 no balance. tried for CLI and denied because they gave me one 4 months ago
Discover: $4250. no balance. Declined for CLI - I think they are going off an old report when I carred some balances on 0% interest cards.
Amazon store: $800. No balance
Sam;s Club: $4500 $3800 balance (Will pay off over next 6 weeks)
Menards: $3000 No balance
Home Depot: $2750. No balance
Lowe's: $800. No balance. Decline when I asked for CLI.
Discover is the main one which you already have. Maybe apply for their new Miles card?
You can always check here to see who pulls EQ: http://creditboards.com/forums/index.php?autocom=creditpulls
