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Card recommendations for EQUIFAX pull ?

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MrCarlCC
Member

Card recommendations for EQUIFAX pull ?

Hello all !

 

I am looking to open a new card to perhaps take advantage of a 0% BT, and wanted to see what you all thought of in terms of a bank or CU that typically primarily pulls EQ? TU is frozen due to unauthioirezed accounts noted & disputes, and EXPERIAN I have a lot of inquiries and was denied due to this from a few banks including Citi & BofA (Recon pending there with EO, as UW is no longer available it seems via phone?)

 

What is perplexing is that my file is 40 years+ old (I'm over 70 years old), and my scores range from 780-825, depending on CR. EQ is at 790. 

 

Stats:

 

Scores: 780-825

AAofA: 25 years

Inquiries: EQ 4. TU 8. EXP 10 (all within 6-12 months)

NO missed payments ever

Income: $200k approx.

 

 Most cards are $20-45k limits, all accounts over 5 years old some much older. These denials for Inquiries alone was never a thing in my day friends ! In my 30-50s I could apply with 30 of them and be given $40k limits ! I get it times change ! Smiley Very Happy 

 

Let's see what you got ! Thanks all !

 

6 REPLIES 6
GZG
Senior Contributor

Re: Card recommendations for EQUIFAX pull ?

Penfed typically pulls EQ, and has a 15 month BT offer on their BT card, but unsure if their typical limits will be high enough for you

Starting FICO 8:
Current FICO 8:



Message 2 of 7
DONZI
Established Contributor

Re: Card recommendations for EQUIFAX pull ?

Here's a list I made in 2020 when targeting an EQ only HP.

 

HSBC (mastercard)
penfed (visa)
synovus (visa)
suntrust (truist parent company = BB&T + Suntrust)
Huntington (mastercard)

discover (eq sometimes, location based?)

2014 credit2020 credit2021 credit2023 credit
paypal credit imagecredit card imagecredit card imagecredit card imagecredit card imagecharge card imagecredit card imagecredit card imagecharge card imagecharge card image
[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]
Message 3 of 7
OmarGB9
Community Leader
Super Contributor

Re: Card recommendations for EQUIFAX pull ?

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 7
MrCarlCC
Member

Re: Card recommendations for EQUIFAX pull ?

Thanks Omar !

 

The only thing I see off here is that I was told Citizens always pulls EQ regardless of state, by others on this board and a Citizens Rep. Not sure if this changed or was old perhaps -- I will advise if I app with them !

 

Thank you !!

Message 5 of 7
805orbust
Valued Contributor

Re: Card recommendations for EQUIFAX pull ?

Citibank always pulls eq for me as well.  I know Comebity does also, but you may or may not wanna go there



Message 6 of 7
markhs777
Frequent Contributor

Re: Card recommendations for EQUIFAX pull ?

As far as an EQ pull, many times it's depends on your location and even then there's no guarantee on what will be pulled. 

You can always lift a freeze right before an app and then freeze it again right after. 

But you're right about things changing. In this economy 10 inquiries in the last couple of years may spook the likes of Wells and Amex which have some good BT offers but tend to pull EX. But you never know 1 more won't make much of a difference.

Message 7 of 7
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