Does anyone have this? Do they pull EFX or EXP? I got their application in the mail. I'm almost afraid to apply for anything because even with a high EXP score, credit grantors are still rejecting me because of the discharged 7 from 1996. With this high score I got turned down by Amex LOC in the last couple of weeks. http://millcbs.com has very few examples for this creditor but it seems to point to EXP.
I just reviewed the thread http://consumers.creditnet.com/straighttalk/board/showthread.php?threadid=18214 that caused me to send for the Umbrella Bank app in the first place. I guess I'll fill the damn thing out and mail it off...
They pulled Equifax for my fiance in 10/2000 when he applied for his card. Back then, the classic card had a lower apr than the platinum, so we applied for the classic.
Cool. They claim they pull Experian and other people have recently posted that they pull Experian. Equifax is a bad word to me for now. (but not for long!)
