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pyaeger1848 · Jun 7, 2009, 02:02 PM

Which banks use Equifax to determine credit ratings t issue credit cards? My scor is higher and stronger with them than the other two.

stevetcg · Jun 15, 2009, 08:37 AM

If the difference in your score is so significant on one report than the others it's a safe bet that you probably shouldn't be getting more credit.

Also, equifax grades on a different scale, so although the number might be higher, it does not necessarily translate into more credit worthiness.

To answer your actual question - very likely none at this point. Most legit agencies will pull a combined report to prevent just what you are trying to do.

jeremycav · Sep 17, 2009, 02:48 PM

I have great credit with Equifax , and I have been able to get Capital One, Sears, Lord and Taylor, Chevron, Bananna Republic and Cortrust Mastercard, paypal and Kays.

stevetcg · Sep 17, 2009, 03:57 PM

Originally Posted by jeremycav

I have great credit with Equifax , and I have been able to get Capital One, Sears, Lord and Taylor, Chevron, Bananna Republic and Cortrust Mastercard, paypal and Kays.

None of those require great credit. And its possible that the others reports are just more accurate.

jeremycav · Sep 17, 2009, 09:16 PM

The last time I checked Sears was processed by Citibank , and GE money bank both require good credit , you might want to do more research before posting bogus information.

stevetcg · Sep 18, 2009, 04:27 AM

Originally Posted by jeremycav

The last time I checked Sears was processed by Citibank , and GE money bank both require good credit , you might want to do more research befor posting bogus information.

Its not bogus info to say that if one credit report contains accurate information that another doesn't you don't have good credit.

And Sears requires significantly less credit than other major credit cards.

GaPeach72 · Sep 13, 2010, 11:17 AM

I worked at sears, and they have 2 different banks that they use. One is with citibank which DOES require a fairly high FICO score. The other bank they use is HSBC bank, which requires a lower FICO score but that one also charges a yearly fee and has higher interest rates. Sears is technically harder to get credit with than other major retailers. Again I worked there. That company thrives on credit, and had daily meetings about it. They have a credit card obsession in that company.