What CC Co. checks Experian?

[octavia]

Im looking to get a prime cc.  Experian is 660 (my highest score, so far). 

I already have an Orchard Bank MC and a HSBC Visa.

I want a Discover or Amex card.  Does anyone know if they check only experian?

Thanks in advance.

[Anonymous]

Amex nearly exclusively checks Experian.  I RARELY see accounts with equifax or transunion.  I would say (and I feel very comfortable with this figure) 99.99% of accounts are from Experian.

[octavia]

Thank you for your response.  Wamu sends me pre-approvals at least once a week.  But I Hear they're Providian Bank now.  Don't wanna deal with them anymore. 

I'll try for the Amex.

Thanks again.

[John060675]

Most CC companies have gone to Experian, which sucks for me.  I received the AMEX Skymiles CC with a 665 EX score, so your score is right in line with what mine was.

I am not sure about Discover.  I have heard of people getting the CC with lower scores than you, and I have heard of them not getting a CC with a higher score.

I think Chase checks EX a lot.

[Anonymous]

No problem. And also...don't request a loc increase or ask for large charging if you're getting a charge card within 60 days of establishing the account because I guarantee you someone will pull a hard copy of your CBR...IN ADDITION to the cbr they already pulled to get the account in the first place.

[llecs]

EX is pulled for Patelco CU, Bank of America, and Amex about 90% of time. Discover about half the time, Chase about one-third. And store cards via WFNNB (Ann Taylor, Victoria's Secret, etc.) about 100% of time.

[Anonymous]

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octavia wrote:

I want a Discover or Amex card.  Does anyone know if they check only experian?.

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Amex reviews only my Experian report.   My TransUnion report shows many "Promotional Inquiries (I don't have a Discover account)" made by Discover Financial Services, LLC.    I live in Florida. 

[Anonymous]

octavia, I use this to learn what ccc's pull from which CRA:

http://www.whogavemecredit.com/index.php?page=search.php&srch=score

Hope that helps.

Oh. BTW, it was WaMu that bought out Providian, not the other way around.

Message Edited by Sylviatob on 11-06-2007 07:29 AM

[jackg]

CBR?

[Anonymous]

CBR = credit bureau report