Main Cards That Pull Experian

[blunderer]

For me Barclays pulled Experian and only Experian. 

[09Lexie]

Barclays usually pulls TU

[ztnjpv]

When it comes to Experian, two companies are 100% guaranteed to pull it:

Amex and Capital one. 

Amex seems to always pull at least Experian. People talk about HP from Amex on other reports but I dont think it's common at all. 

Capital One always pulls all three so they will always pull it. 

As for others, it depends. For me, Citi pulled only EQ and Chase pulled only TU. But that's not consistent at all. 

Looking at the Credit Pulls Database at Creditboards, BoA seems to "usually" pull experian but it's not iron clad

[HYPASS33]

I think EQ is big here in SC. I know credit unions pull EQ.

[ztnjpv]

As for guessing your real EX Fico:

My EX fake score from freecreditreport.com is 713. My real EX FICO as of last week was 776. Very different. As others have said, you really need to give more info about your exp report.

Number of accounts, AAoA, inquries, derogs, number of accounts opened in past year etc. All this helps approximate your score to suggest if the Fako is higher or lower than the real FICO.

[HYPASS33]

GE pulled EX for my Sams card last week but it was lower then but was app for just 400. Heck they already reported a statement with a small balance. Maybe that helped my score, who knows.

[SnackTrader]

Your score will not exceed a certain level until your baddies fall off. Minor score movements upwards are not the trend for you if you keep adding new accounts. Take it easy!

[enharu]

Like others have said, I would just wait until the other bureaus update and take off those collections as well, before you do anything.

Because you have 1 collection on file with EX within the past 3 years, there's a slightly higher chance certain lenders will want to double or triple pull you.

Rather than to risk a denial and some wasted inquiries, it's best to just wait it out for a little longer.

[ktl72455]

And waiting for the months to pass while the cards gets some age is soooo hard!!  It seems like the time is going by soooo slow lol!!

Even if your scores were good, they can deny you becuase of too many recent credit lines ( new cards) and too many recent inquires.  Things that have nothing to do with your actual score.  It looks like to them YOU NEED MONEY and it scares them into saying no.

In the mean time pull your true Fico scores here to give you a more true idea of your scores that you are offering to lenders.

I made a spreedsheet for each card and as each month went by it got a red X under it. Until each one hit 5-6 months, I dont apply or think about it. Its not easy!!

You may only score bump up  a few points per month, to others it may seem a waste of time, but each bump up a improvement!!

Patience :-)

[DaveSignal]

IME, the following banks have pulled Experian exclusively:

SDFCU

BoA

Citi

AAFES