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CC companies that pull EXP

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amercnchopz34
Established Contributor

CC companies that pull EXP

I was just wondering what CC companies only pull Experian??

 

I ony have 3 inquires all droping off by March 2013 .......

 

Just seeing how can improve my CC's  come the 8 yr mark of my BK 7  in June......

 

only negative in 7.5 yrs is the public record...

 

thanks


Message 1 of 7
6 REPLIES 6
DVH1980
Contributor

Re: CC companies that pull EXP

Usually the the report they pull will depend on what part of the country you live in. There are some that generally pull one specific(i.e. Barclays pulling TU) but I think location is the key.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 2 of 7
rtw
Established Contributor

Re: CC companies that pull EXP

I believe that Amex primarily relies on EX.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 7
DVH1980
Contributor

Re: CC companies that pull EXP

I know Amex has pulled EXP for me, multiple times Smiley Sad Citi as well.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 4 of 7
DaveSignal
Valued Contributor

Re: CC companies that pull EXP

BoA and SDFCU pulled EX when I applied.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 5 of 7
LS2982
Mega Contributor

Re: CC companies that pull EXP

BofA, Citi, AMEX have all pulled EX for me. Try whogavemecredit.com.



EQ FICO 548 3/3/16
Message 6 of 7
Revelate
Moderator Emeritus

Re: CC companies that pull EXP

It's location based primarily with the big lenders (and 2-3 qualifications too, YMMV); some such as many CU's pull a single bureau exclusively, and some products (Amex Charge cards) almost always pull one bureau; however, from the same lender (Amex) their revolvers pull any of the three.

 

If you look through the credit pulls databases, you can figure out who's pulling what, it's usually readily apparent if you see all three bureaus or just one.

 

End of the day, if you really want EX, move west, live here for two to maybe five years, everyone will want your EX Smiley Wink




        
Message 7 of 7
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