chase/amex which experian do they pull

[Anonymous]

Don't worry so much about your score or the reasons it's quoting you. Just focus on whatever is in your CR instead. Get utilization down, try to have derogs removed, etc. The scores are just secondary.

[mongstradamus]

Well I do have one paid charge off from 2007 from capital one.they seem to be quite the tough company to GW. Everything else is semi clean utilization is at 3%.only one card is reporting balance,everything else is reporting zero. I have got chase and discover it preapproval so I thought my CR was in good shape.just unsure about Amex would like to get an bcp sometime this year

[Anonymous]

I honestly think you are going to be okay, assuming you haven't added a lot of new accounts and/or inquiries recently.

[mongstradamus]

Well that is where there may be an problem 3 inquiries on experian two new accounts showing,but I thought I would be okay with AAoA of 8+years.the thing is equifax is showing same information actually equifax shows higher utilization,but fico score from my fico with equifax is 65 points higher

[Anonymous]

How new are the accounts and inquiries?

[mongstradamus]

Within last few months near beginning of summer . The most confusing aspect is how much higher my equifax fico scores are compared to experian .i am starting to wonder if experian doesn't take into account my au accounts or something weird like that

[azguy13]

With all my Chase cards, the score that was shown was always about 4 points higher than the FICO shown on here.