Iâ??ve took a look at credit pulls database but it wasnâ??t helpful. I would appreciate if you can share info about any other prime lenders that use EX exclusively in NY? My EX file is so clean â?? never had any hard inquiry here and would like to take advantage of this.
I don't know if they use Experian exclusively but my recent application with Bank of America MBNA went through Experian only. Someone mentioned transferring a balance and making use of the 0% incentive helps get the card.
MBNA cards are traditionally EX. Macy's usually uses EX (they use Plus scores). Nordstrom usually uses EX for the same reason. WFNNB always uses EX afaik (they do a bunch of store cards). HSBC has been pulling EX of late, as has Amex.
