I need creditors (local to Dallas,TX or national) That approve off of an Equifax score only...Who do you know?

Question

I am trying to build this credit score

Answer 1

Go to the site I've listed. Click on Forums then look in the upper right hand corner for CreditPulls. Click on that. Then click on Equifax and Texas and search.

After the results come up, you can click on score and it will sort it into scores - highest to lowest. Or you can click on zip, city, creditor etc and it will sort the results for you. Not everyone adds their zip or city, so you might just sort it by score or creditor.

It's a very handy database that shows who pulls where, with what scores, if they were approved or not, and many times comments on what baddies people have had on their reports when they applied.

Answer 2

You want to build more than just the Equifax. Trans-union and Experian are equally important. Any time you start a new account which uses credit, it should be on all three.

If you want an easy way to bring up you credit score.

Go to three local banks. (Us Bank, Bank of America, Citibank, etc)
Take $500.00 of your own money and ask to set up a "passport loan" which is a secured loan. Give them the $500.00. Then go to the next bank and repeat the process.

So what you should have by the end of the day is $500.00 in your pocket and three open loans. Make the monthly payment for 3-6 months. Then take the $500.00 and pay off each loan. After those six months you will have paid about $40.00 in interest. But you will have payment history on three loans, and three paid off loans on you credit report with three different banks.

This is a process which takes time, but it works. You can use more than three banks, and you can do this several times. The more paid off loans you have on your credit the better. Also a positive payment history is just a good practice.

Good Luck