I think I have stumbled onto something-maybe not. I had been applying for moths and months online for Cit and American express, they always pulled Tu or Exp as I am in the Maryland area. Tu is my worst report-lots of errors. My Expe. report is a little better with one negative. My Eq is the best with a score of 756. Well since I have been applying on the telephone and not online, I have received tons of cards cause they have been pulling Equifax. I wonder if the cc companies use different cra for online vs. telephone applications? Phyllis
