"Who Do They Pull??": Sears Card® Review

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Written by: lindalu on 2008-04-29

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I could use sears... In case of household emergencies such as appliances, automotive repair... Etc... Does anyone know who they pull.? My lowest is experian so if it is them I won't even bother...

thanks for the help guys!


Comment 1 by defserv
> on 2008-04-29

It looks like a toss up between the 3 but depends where you live..
Comment 2 by lindalu
I Live In Ohio Defsey on 2008-04-29

I live in ohio... How would I find out... I wonder if I could call... I don't want a strike on my credit report if I am not getting the card... Declines are hurting me... Because in order to get the card I have to apply again in the near future
Comment 3 by meya
Experian on 2008-04-29

This card pulls from experian. I would not chance it. Go to lowes, they have the same appliances you are looking for, and they pull from EQ or TU. The financial backer is GE Money Bank! Good Luck!
Comment 4 by defserv
- on 2008-04-29

According to credit pull db people in Ohio usually get transunion pulled. But YMMV... If you don't wanna take a chance than I suggest taking meya's advice.
Comment 5 by meya
Naah Naah Deserv on 2008-04-29

Don't put it off on me, you did the checking so I say take your advice... Lol. Let's hope this person uses their own advice so we can be in the clear... Lol.
Comment 6 by kellbell
Citibank on 2008-04-29

They pull from Experian and the bank is Citi.
Comment 7 by wildrage2
Sears on 2008-04-30

Sears seems like one of the hardest CITI cards to get. I was approved for Macys and Bloomingdales, but denied to Sears twice in an 8 month period. I've since completely given up on them.
Comment 8 by wildrage2
GE? on 2008-04-30

Ohhhh... They switched to GE? That would make more sense, since GE hates me!
Comment 9 by marym
Not GE Money Bank on 2008-04-30

Sears is Citi. Meya was talking about Lowes which is GE money bank.
Comment 10 by hjm331
RE: MaryM on 2008-04-30

Mary, you're right. Sears is Citi and Lowe's is GEMB.
Comment 11 by davis06
Toss Up on 2008-04-30

I've applied for Sears twice in the past year first time was Experian - second time they pulled Equifax and I'm in the southeast.
Comment 12 by rickella
It Looks Like TU on 2008-04-30

According to whogavemecredit.com, one Ohioan reported their Sears pull from TransUnion. Hope that helps.
Comment 13 by meya
True on 2008-04-30

I was saying that she should apply for lowes because they pull EQ and TU and the finance backer is GEMB. I know that Sears is Citi, that is why I told her to take the lowes route. Citi is to chitty for me!
Comment 14 by lindalu
Thanks For The Info!! on 2008-04-30

I am not holding anyone responsible... I just want to avoid what I feel is a denial and a denial is bad enough yet alone an inquiry on your credit report for a card you didn't get!!! and then have to reapply somewhere down the road if you really want that card and take the chance of doing it all over again... I miss the days when everyone approved me... And for high credit lines too!!!(why did I screw up???)
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