I only want Trans Union pulls. Is that possible?

[david_weaver]

I have an odd (although I am sure not uncommon) issue. I have had much better success getting negative items removed from Trans Union than Equifax or Experian. Making it worse, some zombie debt collectors keep putting an old account that was not mine in collections. It is like a weed. As soon as I think I killed it, it comes back with a different agency. But it only ever hits Equifax and Experian.

 

That said, my FICO from Trans Union is 765. The other two are in the 640's.

 

I have looked in the 'pulls database' seeking good card opportunities that pull Trans Union, but there seem to be some that often pull others instead, or in addition.

 

If they pull Trans Union, I am golden. Either of the other, and it will be an immediate denial, especially with active collections listed.

 

So two questions: Does anyone know of a credit card which will absolutely ONLY pull Trans Union? And is there any way to block pulls from the other bureaus? I would rather be declined because they could not do a pull than add an inquiry when I know I will be declined?

 

Dave

[HERE WE GO !!!]

You could put a freeze on the credit bureaus you don't want them to pull. This would be for new accounts only.

 

Any accounts you presently have would still be able to put information on your report.

Edited May 22, 2013 by HERE WE GO !!!

[jkk4life]

Barclays pretty much exclusively pulls Transunion. Most others pull mostly Experian and Equifax.

 

+1 on freezing the other credit reports which would get you what you wanted (denial with no hard pull). If you are denied since they cannot pull the report, you can always call and request to pull Transunion, however most issuers probably won't do it.

 

Also, just be careful since once you have a relationship with a creditor they can always doa soft pull on any of your reports even with a freeze which may invite adverse action by them including closing your account if they see the collections.

[itrev82]

Barclays is pretty much a TU puller in my experience.