I've heard of people having success knocking inquiries off their reports by disputing them on TU and EQ, but not on EX.

Did you dispute them?

Good Idea..!

Cavindai, sorry to hear about the denials. Can you please share what credit cards you currently possess?

Trans union has dropped all but my inq made in the last three mos of last year.

Did you dispute them?

I applied for Citibank card and was denied. I'm writing a letter in to request for reconsideration. They pulled credit report from EQUIFAX and I hate EQUIFAX, too much gibberish crap in my report and they are doing sh1tty job...

I also applied for Walmart Discovercard and also denied but approved for regular Walmart credit card. However I was told after 6 months, I could upgrade it to Walmart Discovercard, so that's fine with me. By the way, Walmart GEMB pulled Transunion on my application

Trans union has dropped all but my inq made in the last three mos of last year. EX and EQ are holding on to them. EX is the fastest to update for me.

Experian used to be my worst file, but now it is just fine. The only thing they have on my back is a ton of inq's:laugh:

They know what they are doing, that is just a cap-off to throw you off. This is the same thing I was arguing with Chase about, they kept telling me that the reported it to all 3 Cb's, but it took a while for it to show to all 3. I just say hold on for a sec, maybe it will show up.

I have had a car loan for 8 months. It shows up on my TU and EX credit report, but not on my EQ cr. I have contacted the bank several times and they have said on each occasion that they have looked into it and that their computer system is reporting the loan. It doesn't seem like I can do anything about this but it contributes to my EQ being lower than all of the rest.

Yeah you know why I hate EQUIFAX....
DESTROYED EQUIFAX CREDIT SYSTEM...


EXPERIAN AND TRANSUNION ONLY..

I bought my EQ FICO the other day there's a 40-50 point difference between my EQ FICO and my EX and TU FICO scores. My TU FICO was 710, and my EQ FICO was 669. I bought both of them at the same time. My EX FICO was just over 700 when I bought it a month ago so I need EQ to pick up the slack if I really want that PenFed card.

Do you have any baddies on your EQ report?

Yeah my credit file with EQ is horrible..Equifax is the worst CRA ever..I hate them..Ruining everything

Most creditors except for GEMB pull Experian out here in CA.

Experian is a creditors top pick, but here is a link to the credit status/pulls, you will find which cb was used when creditors approved/denied applicants. https://www.financeglobe.com/Finance/credit-card-status.shtml

I have dual residency with Texas as primary and work in VA, most times when banks, mortgage, cc pull from TX it is Experian (CSC) or TU. On the east coast you see more EQ. In reviewing my inquiries for pre-approval and CC reviews by banks for Chase/WAMU/Cap1 (auto finance)/Nordstrom/AMEX it has been via Experian. Not EQ.