My FICO score with EQ is 687. It's also a cleaner file. Wondering what cards are out there that I can apply for?
Check the credit pulls database (google 'credit pulls') and see what report each lender has been pulling in your area. YMMV though, since lenders do not usually have just one bureau that they ALWAYS pull. At least it gives you an idea.
It's really all over the board depending on where you live. Discover likes EQ, sometimes Citi pulls EQ. You really never know who they'll pull. If they approve you from an EQ pull, they can soft pull the others at any given time as well. If you search "whogavemecredit" in the Google machine, that's a pretty helpful resource.
OCCU Duck or Beaver card pulls EQ. Rewards aren't great but starting limit is high for credit profiles with slightly higher than average/good credit - you can check the thread for Duck cards approvals for various folks' credit profiles when approved.
| CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000 | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |
It's mostly CU's and USAA that exclusively pull EQ (and Carecredit and think one other one-off GE card).
Depends what you're looking for in a card: low APR or high limit, CU's are a great bet. Rewards, well other than Penfed and maybe USAA's cards, there aren't that many to write home about. A couple smaller CU's offer some interesting rewards packages but the ones I'm aware of aren't EQ pullers to my recollection.
Beyond that it's both location and luck as to what bureau will be pulled by a national lender, and some CU's (NFCU) pull multiple bureaus as well potentially. The credit pulls database really is the best resource for figuring such things out in my opinion.
Should I go for the Duck card?
When I applied for it back a few months ago, my scores we in the low 600's.. They told me they couldnt approve me because of the three big settlements that I had on the account, but they are now not showing as charge-off's or settle.
I live in AZ and when I applied for my Discover It they only pulled EQ. One site I like is whogavemecredit.com and there are others as well, but its the one I used the most
I applied for the DUCK card, so i'm wiaitng.
I called them like twice last night and i see that they pulled my EQ this morning.
I don't know if I should call or not?