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NEED A CC.. TRANSUNION ONLY PULL??

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lesse
Frequent Contributor

NEED A CC.. TRANSUNION ONLY PULL??

Hello all!

 

I have the best score with transunion so far at a 639, EX AND EQ are terrible in the low-mid 500's.. (still working on these) Soooo.. is there any credit cards that i would get approved for with transunion only pull that would accept 4 collections older than 3 years and 4 chargeoffs older than 2 years.. i paid 2 of the chargeoffs .. but they are being slow in reporting. I tried for barclays when i had a 527 transunion score in February BUT im still wondering about those newer chargeoffs from 2009 that are still showing unpaid. help please Smiley Happy)

START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 1 of 18
17 REPLIES 17
lesse
Frequent Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

BTW.. i have currently reporting a macys card that i am a AU on from 1999  $900 CL and a NFCU $500 CL card that is just reporting as of 3/2013. I was told that it is best to have 3 revolving cards reporting good for 12 months for when i want to apply for my mortgage.

START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 2 of 18
b_seeker
Frequent Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

You could try Barclay. 

 

Edit - I just saw you have a new card. If you try Barclay (I've had them pull twice, both TU), you may be declined but you can probably recon it with them.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Message 3 of 18
lesse
Frequent Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

hmm would i get approved with the chargeoffs still showing Unpaid? i contacted them and they are saying that cant tell me fore sure about those chargeoffs.

 

START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 4 of 18
09Lexie
Moderator Emerita

Re: NEED A CC.. TRANSUNION ONLY PULL??

Have your paid CO's updated yet? If not, I would wait until they are showing paid
Message 5 of 18
kroberts67
Established Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

When I was accepted to Old Navy & JC Penneys on my TU report I had 2 collections, one new and one very old, and a IRS tax lien.  They only pulled TU.  At the time I was probably in the low 600's.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 6 of 18
b_seeker
Frequent Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

That's probably a YMMV situation. If you were denied and reconned, you can probably explain that to them and ask them for a low limit. They were good to me with auto CLIs anyway. I'm not sure of all their requirements for the different cards but I'd try to find the easiest looking one to snag. 

 

Bah, another edit - Isn't Walmart a TU puller as well?



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Message 7 of 18
myjourney
Super Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

YMMV but walmart pulls TU

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 18
TNTransplant
Established Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

I think probably Barclays or the GE-backed cards (Walmart, PayPal, Amazon, JCP, American Eagle, etc.) would be your best options.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 9 of 18
lesse
Frequent Contributor

Re: NEED A CC.. TRANSUNION ONLY PULL??

out of 4 chargeoffs 2 chargeoffs are from 2006/2007 Unpaid a school and a old cc that is due to fall off next year.. and the 2 most recent credit cards for same company have been paid.. but they are extremely slow to update balance to 0.

START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720


GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time Smiley Happy
Message 10 of 18
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