Some credit cards that use Experian only reportedly include Chase Sapphire Preferred, the Citi Premier Card and Discover it Secured, among others. There’s no guarantee these credit cards use Experian 100 percent of the time. But based on comments from various consumer forums, there seems to a good likelihood that when you apply, your Experian credit report will be pulled.
Experian is one of the “big three” credit bureaus responsible for evaluating the creditworthiness of millions of borrowers (TransUnion and Equifax are the other two). Experian does not issue credit cards. But whenever you apply for a credit card, the issuer will request your credit report from Experian or one of the other major credit bureaus to see if you meet the criteria for approval. The issuer may even pull reports from two bureaus, or all three in some cases.
When a credit card issuer pulls your full credit report from Experian or one of the other bureaus, that is known as a hard inquiry. These inquiries will temporarily lower your credit score, but your score should bounce back quickly as long as you keep making on-time payments and using your credit responsibly.
Experian and other credit bureaus do not have exclusive arrangements with specific credit cards or credit card companies. Certain issuers do tend to rely on some bureaus more than others, but the bureau used may change depending on the state in which you live and the card for which you apply. Credit card issuers do not openly disclose if they favor a particular bureau when they pull credit reports.
There's no point thinking about this stuff. Every experience is different, and you can't really force them to pick a bureau that you like. Some have tried freezing independent bureaus to try and coerce lenders, but it's a risky move that might get your application shut down.
If you checked up and cleaned all 3 up, then it won't matter what they choose.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
Citi uses all three major credit bureaus to evaluate credit card applications. That doesn’t mean it will pull all three of your credit reports, though. Rather, there’s no telling which bureau(s) Citi will pull from when you apply.
But that shouldn’t be a big deal. Your major credit reports contain nearly identical information. So if one includes negative information, the other two probably will as well. And if there’s a mistake on any of your credit reports, you’ll want to dispute that right away.… read full answer
Besides, it’s pretty much impossible to predict a credit card company’s opinion of your financial past. Each uses its own customized credit score, for one thing, which explains why there is no one “real” credit score.
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