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Equifax SP report.

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PutThatMoneyOnTheTable
Established Contributor
‎10-11-2019 09:03 AM
‎10-11-2019 09:03 AM

Equifax SP report.

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Pulled my free annualreport with equifax and Discover has been sniffing around. But i'm faithfully planted in the garden and I will not be tempted.

 

I wanted to post the screenshot as DP for Comenityfor future MyFicoers. There was no hard pull because they had previously soft pull for promotional purpose. I cold app through my Bj's app and was only required to enter last 4 of social. The 2nd and 3rd SP was when I actually applied.

 

Only 7 SP and 2 HP on Eq.

Amex BCP $35k
Chase FU $19.6k
BOA Cash Rewards $36k
BJs Perks Plus M/C $22k
Cap1 QS $4,950 (AU)
Best Buy $4k
Wells Fargo Active Cash $11.3
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zerofire
Valued Contributor
‎10-17-2019 12:36 PM
‎10-17-2019 12:36 PM

Re: Equifax SP report.

If you got BJ's as a SP then congratulations. I would recommend that you double check all of the beureu's for an HP as I am fairly certain that Comenity likes either TU or EX more(in that order).

 

If you have a Discover card then they will most likely be listed once a month as they populate your credit score. Also they have their ScoreCard product. Fyi the Discover CLi's are SP too.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Savor WEMC, Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC(Suspended), Discover It DC, FNBO Ducks Unlimited VSC, GBank VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Pick n Save/Metro Market WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
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calyx
Super Contributor
‎10-17-2019 12:48 PM
‎10-17-2019 12:48 PM

Re: Equifax SP report.

@zerofire wrote:

If you got BJ's as a SP then congratulations. I would recommend that you double check all of the beureu's for an HP as I am fairly certain that Comenity likes either TU or EX more(in that order).

 

If you have a Discover card then they will most likely be listed once a month as they populate your credit score. Also they have their ScoreCard product. Fyi the Discover CLi's are SP too.

Discover would not normally show a SP from EQ - the Scorecard site pulls EX and their free FICO for card users is from TU.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
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zerofire
Valued Contributor
‎10-17-2019 01:10 PM
‎10-17-2019 01:10 PM

Re: Equifax SP report.

Maybe they wanted to hit all three for the fun of it? I think they might use EQ for the mailers. Those things flooded my box when I was younger. Eventually I gave up and got a Discover IT which reduced the volume.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Savor WEMC, Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC(Suspended), Discover It DC, FNBO Ducks Unlimited VSC, GBank VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Pick n Save/Metro Market WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 4 of 5
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calyx
Super Contributor
‎10-17-2019 01:17 PM
‎10-17-2019 01:17 PM

Re: Equifax SP report.

@zerofire wrote:

Maybe they wanted to hit all three for the fun of it? I think they might use EQ for the mailers. Those things flooded my box when I was younger. Eventually I gave up and got a Discover IT which reduced the volume.

I should clarify - if it was for the monthly scoring groups, it would be EX/TU, but yeah, poking about with EQ is interesting.
The last time I got tapped on EQ by Disco was when I checked their prequalify site.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
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