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What credit card company pulls from Transunion

msvee32
New Contributor

What credit card company pulls from Transunion

I was looking for a credit card that uses TU only because I am in the process of cleaning my credit and EX and EQ have not updated all my information. I found a thread from 2015 that Barclaycard Visa with Apple Rewards uses Transunion only. I applied today 11/08/2017 and just wanted to update ppl that this information is still correct. My inquiry notification came from TU only.

Message 1 of 29
28 REPLIES 28
ABCD2199
Senior Contributor

Re: What credit card company pulls from Transunion

Depends on where you live, usually.

 

I believe Synchrony pulls TU only, at least in my case.  US Bank pulled TU only for me.  

Message 2 of 29
msvee32
New Contributor

Re: What credit card company pulls from Transunion

Ok, I am in Virgina and they only used TU

Message 3 of 29
joe8185
Valued Contributor

Re: What credit card company pulls from Transunion

Capital One pulls TU (in fact, they pull all three, which is kind of irksome) as do Apple FCU (in Virginia) and Synchrony.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 4 of 29
DavioKanuri
Established Contributor

Re: What credit card company pulls from Transunion

Anything Synchrony, Comenity and CapOne.
***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 5 of 29
peghede
Valued Contributor

Re: What credit card company pulls from Transunion

Synchrony R.I.P pulls TU

 

Message 6 of 29
Shadowfactor
Valued Contributor

Re: What credit card company pulls from Transunion

US bank, Discover pulled TU in Ohio.




Total Revolving Limits $254,800

Message 7 of 29
Porch
New Contributor

Re: What credit card company pulls from Transunion

I use the /r/churning data point spreadsheet. Go to the churning subreddit on Reddit and look at the sidebar. They have a datapoints spreadsheet for credit card applications. INSANELY helpful! Helped me figure out I could get a BofA card with my Ex score even though the other two were trash, and make my risky AmEX BCE application because they also only pull Ex.

 

Here's a link, not sure if I'm allowed to post the link so that's why the explanation of how to navigate to it is there.

https://docs.google.com/spreadsheets/d/1qnuBDQLFGADO3AhcZ9bbzFUqsGhWcPpYxwWj_z3JG0w/edit#gid=1263163...

 

Just use the sorting options to sort it by A-Z for whichever piece of information, such as bureau. There's also filtering options. Can find out a lot of different things.

Fico 8- EX: 710 TU: 731 EQ: 694
FICO 5, 4 & 2- EX: 701 TU: 725 EQ: 728


Cap1 QS1|BofA BBR|Discover IT|Chase FU|DCU Visa|Barclays Apple|AmEx BCE|AmEX E|NFCU VsGO|PenFed PCR
Message 8 of 29
msvee32
New Contributor

Re: What credit card company pulls from Transunion

Wow, this is great, thanks!
Message 9 of 29
Elktech
Frequent Contributor

Re: What credit card company pulls from Transunion

Comenity pulls EQ and EX on me. Wouldnt consider than a TU puller.

 

In my experience, located in NE:

Synchonry

Barclays

UMB

USBank

Elan (subsidiary of US Bank)

Commerce Bank

5/3 

 

Sync/Barclays/USBank are pretty much TU pullers no matter where you live. But you never know if they decided to flip the script on us, so be prepared Smiley Happy

Message 10 of 29
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