Main Cards That Pull Experian

[HYPASS33]

What are the main cards that we know pulls EX??

[enharu]

just so we're clear, what is your definition of main cards?

anyhow, American Express and Chase pulls Experian most of the time. They might also double or triple pull from other bureaus, depending on your own situation.

Citi, Bofa, Wells Fargo and US Bank pulls Experian as well, but that might change depending on where you're located.

CapitalOne triple pulls pretty often, but I might be wrong.

[HYPASS33]

Experian is my best score at 695 is why I ask. Well I should say 695 on EX site, not sure the Fico score so it could be a lot lower. Just looking for another card but want a decent CL.

[enharu]

can you tell us more about your profile? 
And what are your other scores? What is holding you back? Lates? Chargeoffs? Collections?

The thing you need to becareful about is that if you're borderline approval, chances are the lenders will double or triple pull you. That will not work in your favor then because they'll see your EQ / TU files then. 

Where do you reside? In certain states / counties, certain banks pull other bureaus instead. For example Citi pulls EQ in NYC and EX in Los Angeles.

[09Lexie]

The score from that site is a FAKO - unfortunately it's hard to tell without knowing the FICO. And like enharu asked need more info

[HYPASS33]

All 3 are showing a paid CO from 2010. My oldest card is Capital one but only 500 limit and I just got Walmat( 400) Sams (400) and credit union Visa 500 and line of credit at credit union for 1000.00. Total balance on all are 150.00. Not sure the impact of CO even if its 3 yrs old. TU is 664 and EQ is 605 but have some collections that are about to be removed. All that will remain on al is the CO by the 1st of next month.

[HYPASS33]

Live in SC

[09Lexie]

Waiting for your baddies and your new accounts to age is the best thing for you. Toy limits should not be your goal - letting your accounts mature and inqs to age will help a lot.

[myjourney]

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@09Lexie wrote:
Waiting for your baddies and your new accounts to age is the best thing for you. Toy limits should not be your goal - letting your accounts mature and inqs to age will help a lot.

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+1 Time is what you need for better cards and limits....Garden time 

[SnackTrader]

Indeed. No new cards! You have all the credit lines you need to raise your score, you just haven't had the time yet. It will all get better over time.

Join the Garden!