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Where should I apply with Transunion

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Anonymous
Not applicable

Where should I apply with Transunion

I am just starting out with credit I have a score with TU of 722 but bo score with the 2 others should I wait to apply when I get the other scores or is there a place I can apply with TU and is there a reason I dont have my other scores yet
Message 1 of 12
11 REPLIES 11
3se7ens
Frequent Contributor

Re: Where should I apply with Transunion

Capital One and PayPal MC both will pull TU.  Good Luck. Smiley Wink

As of 3/2022


EQ.-721  |  TU.-731  |  EX.-708


Top Cards:


AmEx Gold - $10,000 POT. BofA Americard $17,000 NFCU CR. $16,000 NFCU Plat.$15,000 FNBO Visa $14,800


Disco Miles $14,000 Chase FU $13,900 USAA Signature $13,000  PayPal MC $10,000 


Macy's AmEx $25,000 Macy's AmEx (upgraded) $25,000

Message 2 of 12
Anonymous
Not applicable

Re: Where should I apply with Transunion

Be aware that Capital One pulls all three for one application.

 

Other lenders that pull TransUnion include (more or less depending on your location, the same lender may use a completely different bureau in different location):

Discover (for me it's TU only), Chase (TU+EX), Barclays, and so on.

Message 3 of 12
3se7ens
Frequent Contributor

Re: Where should I apply with Transunion

Scratch that, Capital One pulls all 3.  My bad, Definitely try PayPal MC.

As of 3/2022


EQ.-721  |  TU.-731  |  EX.-708


Top Cards:


AmEx Gold - $10,000 POT. BofA Americard $17,000 NFCU CR. $16,000 NFCU Plat.$15,000 FNBO Visa $14,800


Disco Miles $14,000 Chase FU $13,900 USAA Signature $13,000  PayPal MC $10,000 


Macy's AmEx $25,000 Macy's AmEx (upgraded) $25,000

Message 4 of 12
Anonymous
Not applicable

Re: Where should I apply with Transunion

They don't pull all 3?
Message 5 of 12
Anonymous
Not applicable

Re: Where should I apply with Transunion

Ok but they dont pull from all 3 is that right sorry if I'm asking the same question I'm just starting
Message 6 of 12
wasCB14
Super Contributor

Re: Where should I apply with Transunion


@Anonymous wrote:
I am just starting out with credit I have a score with TU of 722 but bo score with the 2 others should I wait to apply when I get the other scores or is there a place I can apply with TU and is there a reason I dont have my other scores yet

Why wouldn't you have an EQ or EX score? If TU has sufficient data to calculate a score, so should EQ and EX. Is some account not reporting to all bureaus?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 7 of 12
Anonymous
Not applicable

Re: Where should I apply with Transunion

i am not sure why i  dont have the 2 other scores that is  why i was asking should i call EQ and EX

Message 8 of 12
wasCB14
Super Contributor

Re: Where should I apply with Transunion

Have you looked at your EX or EQ reports? Do you see differences (particularly as far as account age, open accounts reporting as closed, or accounts not appearing at all)?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 9 of 12
Anonymous
Not applicable

Re: Where should I apply with Transunion

i am on Credit Karma i am new to credit but i only see the one line of credit which i am new to the trade but it has been open for 13 years 

Message 10 of 12
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