Does it even make sense to use Experian anymore?

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cambridgechica
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Does it even make sense to use Experian anymore?

Postby cambridgechica » Thu Jan 19, 2012 9:19 pm

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?


FutureBillionaire
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Postby FutureBillionaire » Fri Jan 20, 2012 11:34 am

That's weird. Amex only pulled from one bureau for me. I wonder how they decide which bureaus to pull from.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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InCreditWeTrust
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Postby InCreditWeTrust » Sat Mar 31, 2012 11:34 pm

Citibank uses Experian, so I think it depends which banks are using which bureau.

FutureBillionaire
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Postby FutureBillionaire » Wed Apr 11, 2012 4:27 pm

I just get all 3 of my scores from Equifax.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape



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