/ Register

CC in NY that only checks Experian?

Discussion in 'Credit Talk' started by mr.T, Nov 5, 2002.

  1. Nov 5, 2002 #1
    mr.T

    mr.T Active Member

    hello credit hounds. This site rocks.

    Anybody know what CCs in NYC only check Experian or where I can find this info?

    I recently raised Experian scoreto 734 (6 mos ago it was morelike 500 but Thx to this site and www.creditinfocenter.com got like 8 negs removed. Patience, diligence and hard work. Stick with it.).

    My Equifax is only 633 and TU even less.

    Any suggestions?
    Gracias Amigos.
     
  3. Nov 5, 2002 #2
    charlieslex

    charlieslex Well-Known Member

  4. Nov 5, 2002 #3
    mr.T

    mr.T Active Member

    Thanks Charlie. Is this really accurate?
     
  5. Nov 5, 2002 #4
    picantel

    picantel Well-Known Member

    It is accurate to a point. You can have over 700 like you have now but if you have like a dozen inquiries or a high cc balance chances are good you will be turned down no matter what your score is(I speak through experience). Watch capital one though because they pull all 3 reports on me.
     
  6. Nov 5, 2002 #5
    charlieslex

    charlieslex Well-Known Member

    It's not perfect, because the CC companies change the CRA's every once in a while. It's a crapshoot but fairly accurate. Charlie
     
  7. Nov 5, 2002 #6
    whyspers

    whyspers Well-Known Member

    I'm in upstate NY and lately they have ALL been pulling EX for me :( I'm looking for one that pulls EQ.





    â?¢ FIRST USA BANK
    Date: 11/02/2002

    â?¢ AMERICAN EXPRESS
    Date: 10/30/2002

    â?¢ MBGA/JC PENNEY
    Date: 10/10/2002

    â?¢ MBNA AMERICA/CREDIT
    Date: 10/04/2002

    â?¢ AMERICAN EXPRESS
    Date: 10/02/2002

    â?¢ DISCOVER FINANCIAL SERVI
    Date: 10/02/2002

    â?¢ CIT ONLINE BANK/DFS
    Date: 09/08/2002

    â?¢ SPRINT PCS
    Date: 08/03/2002

    â?¢ HOUSEHOLD AUTOMOTIVE
    Date: 01/26/2002

    L
     
  8. Nov 5, 2002 #7
    mr.T

    mr.T Active Member

    Thanks L- this site is the best. Viva la Interneta!
    Try Wells Fargo.

    It only works if people take it upon themselves to give back so there you go with what limited help i can offer u.

    Wells Fargo is supposed to be a really good card with online management and benefits (high ratings/reviews on E-pinions etc.) . I applied for a Secured card and they ONLY pulled Equifax so they might be an option for you.

    Thanks again and Good Luck.
    MT
     
  9. Nov 5, 2002 #8
    mr.T

    mr.T Active Member

    Another question for you L.

    Did these you listed above ONLY pull Experian or did some pull all three at once. Can you be more specific?

    Thanks again. MT

    Keep on keeping on
     
  10. Nov 5, 2002 #9
    whyspers

    whyspers Well-Known Member

    Mr. T...thanks for the info. I've never applied at Wells Fargo because I have heard they are really conservative and I am carrying high balances on my cards.

    All of these places only pulled Experian for me. The only one that I know of that pulls all three on a regular basis is Capital One.

    Hope this helps!


    L
     
  11. Nov 5, 2002 #10
    Geo

    Geo Well-Known Member

    State Farm.
    MBNA pulls Exp and TU
     
  12. Nov 6, 2002 #11
    mr.T

    mr.T Active Member

    Re: CC in NY that only checks Exper

    Ok- thanks. State farm looks like a good option. I might also try for the CitiSmart card. Amex may be too tough.

    Anybody else out there from NY who can verify cards that ONLY pull Experian (or only did in their case) would be helpful.

    Viva la interneta.
     

Share This Page