Credit Card Forum
  1. #1
    cambridgechica
    cambridgechica is offline
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    Default Does it even make sense to use Experian anymore?

    I know there was a blog about this not too long ago, but I'm still a bit confused. I understand that the scores are different and you can't really compare, but I guess my question is--when does it make sense to pull one vs. the other? I read from this forum that Amex typically pulls from Experian, and so I checked my Experian score a few months ago just before applying. But they actually pulled from all 3 bureaus. Does it even make sense to use Experian anymore?
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    Reply With Quote Reply With Quote     Jan 19, 12, 7:19 pm
  2. #2
    FutureBillionaire
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    That's weird. Amex only pulled from one bureau for me. I wonder how they decide which bureaus to pull from.
    Cards
    Visa: BofA Cash rewards Visa Signature (1% on everything)
    Kroger 123 Rewards Visa, Ascend FCU Platinum Visa (1% back), Penfed Platinum Cash Rewards Visa (5% on Gas)
    BofA Cash Reward Platinum Plus (1% on everything, 2%on groceries, 3% on gas), Penfed Platinum Rewards Visa ( 5 points on gas, 3 points on groceries, 1 point on everything else)


    Discover: Discover More (5% back rotating categories), Discover Miles (2% on travel and restaurants, double miles on phone, internet, and tv

    Amex: Gold Card, BofA Accelerated Cash Rewards (1.5% on everything)

    Express Store card (points for gift certificates and special deals)
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    Reply With Quote Reply With Quote     Jan 20, 12, 9:34 am
  3. #3
    InCreditWeTrust
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    Citibank uses Experian, so I think it depends which banks are using which bureau.
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    Reply With Quote Reply With Quote     Mar 31, 12, 9:34 pm
  4. #4
    FutureBillionaire
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    Default

    I just get all 3 of my scores from Equifax.
    Cards
    Visa: BofA Cash rewards Visa Signature (1% on everything)
    Kroger 123 Rewards Visa, Ascend FCU Platinum Visa (1% back), Penfed Platinum Cash Rewards Visa (5% on Gas)
    BofA Cash Reward Platinum Plus (1% on everything, 2%on groceries, 3% on gas), Penfed Platinum Rewards Visa ( 5 points on gas, 3 points on groceries, 1 point on everything else)


    Discover: Discover More (5% back rotating categories), Discover Miles (2% on travel and restaurants, double miles on phone, internet, and tv

    Amex: Gold Card, BofA Accelerated Cash Rewards (1.5% on everything)

    Express Store card (points for gift certificates and special deals)
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    Reply With Quote Reply With Quote     Apr 11, 12, 2:27 pm
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