I would like to know the site that tells who pulls from Equifax and Eqifax only?

Question

Equifax is the best score that I have credit wise. I would like to consolidate some cards by getting a(1) card from someone who pulls credit file from equifax.

Answer 1

You might click on the last link I have listed in my profile, then look at the top of the page for Credit Pulls (in the red bar).

The site and the credit pull data base are both free to use and are non spam. The data base is constantly updated by the members of the site (over 55,000 members last time I noticed) after they apply for credit and it generally shows whether they were approved or not, the credit limit they received if approved, what scores they had at that time, if they had any negatives, etc.

When you are in the Credit Pulls data base, you might either type in a creditor name or just click on your state.
Don't click on any of the CRA's. If you click on only EQ then you will not be able to see if they also pull other CRA's.

Some creditors will pull only one CRA almost exclusivly (like Juniper almost always pulls TU for all types of cards)
Some creditors will pull one CRA in one state and pull another in a different state.
Some creditors will pull one CRA for one type of card and pull a different CRA for another type of card.
Some creditors will pull all three CRA's for all types of cards (like Cap One)

While most creditors will show a pattern of who they pull, keep in mind that ocassionally they may break the pattern and suddenly pull a CRA that they usually don't

Answer 2

it is almost impossible to find lenders out there that only use them two as pulls, beings that Trans Union is also a major Credit Company, I work with Credit every day, and have not seen where this is possible, however it depends on what agency on how each of your scores will actually reflect. For example I can pull your scores through our agency, but you can go down the street and have another Lender pull your scores and they come up with completely different numbers.

Here is why...
Credit reporting agencies do not rate your credit worthiness. That is up to the individual lending organizations, but they rely heavily on the information supplies in the credit reports. The leading credi scoring model is called the FICO, created by a Company called FAIR, ISSAC and C., INC. While their model has been kept secret for decades, public pressure and threats by lawmakers have forced this Company to disclose more and more of its details.