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SECRET LENDER$ LIST

Welcome to an exclusive look at the Secret


List that the banks would never let you see!
Below is a list of various Lenders and The Credit Bureaus
that they pull from based on what we have seen with our clients and our own
experience. Do you need help increasing your credit? We can help you.
It’s time to take action for you and your family!

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s
available)

Amex – Experian
Bank of America - Equifax
Barclaycard Apple Rewards – Experian (720+ $3,500)
BMW Financial Services – Experian
BMW Financial Services – Experian (695+ $50,000 Lease)
Capital One Auto Finance – Experian – Equifax
Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)

Capital One Bank Credit Cards – Equifax – Transunion


Capital One Venture – Experian – Transunion (650+ $5,000)
Capital One Quick Silver 1 – Experian (600+ $500)
Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
Car Smart – Transunion
Carmax – Experian – Equifax – Transunion
CBNA Credit Cards – Experian – Equifax
Centric Credit Union Visa – Experian (530+ $500)
Chase Bank – Experian & Equifax
Looking for The TOP Secret way to
build your credit? Contact us for more!

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s
available)

Chase – Experian (750+ $10,000)


Chase Amazon Rewards – Experian (750+ $7,000)
Chase Freedom – Experian (750+ $7,000)
Chase Ink Bold – Experian (720+ $15,000)
Chase Sapphire Preferred – Experian (720+ $18,000) Chase
Southwest Plus – Experian (750+ $3,500)
Chase Amazon Rewards – Experian (750+ $7,000) Chase
Freedom – Experian (750+ $7,000)
Chase Ink Bold – Experian (720+ $15,000)
Chase Sapphire Preferred – Experian (720+ $18,000) Chase
Southwest Plus – Experian (750+ $3,500)
Chase United Explorer – Experian (720+ $19,500)
Citibank Best Buy - Equifax
Citi American Airlines Platinum – Experian (720+ $6,500)
Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
Citizen’s Bank (location specific) Equifax
Community First Credit Union – Equifax (region specific)
Community – Transunion or Equifax
Credit Union of Texas – Equifax
Credco Auto Reseller – Experian – Transunion
Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers Preferred Account –
Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000)

Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)


Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
Direct TV - Equifax

Discover Card – Equifax – Transunion

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s
available)

Discover It – Experian (620+ $1,500 - $5,500)


Drive Finance Auto Financing – Experian – Transunion
Elan Financial - Equifax
Fifth Third Bank – Transunion
FIA Amex Fidelity American Express – Experian (740+ $9,000)
Fidelity Amex Investment Rewards – Experian (720+ $12,500)
Fidelity Investment Rewards Visa Signature Card – Experian (750+ $7,500)
FirstBank Credit (FNBO) SavingStar Amex – Experian (650+ $1,000)
FNBO/NRA – Experian (740+ $8,500)
First Choice Bank – Primer Visa – Experian – Equifax – Transunion First
Data Merchant Services – Credit Card Merchant Account Processor
Greater Texas FCU – Experian (620+ $27,000)
Hertz Corporation – Equifax Home
Depot – Experian (650+) HSBC –
Transunion
Jared/Sterling – Experian (600+ $1,500)
JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
JCrew (Comenity) – Experian (600+ $750)
JP Morgan Chase Business – Transunion – Chexsystems JP Morgan Chase Bank – Equifax
Kohls – Experian (560 $300)
Lexus Financial Services – Experian (690+ $90,000 with Lease)
Mercedes Auto – Transunion + Experian + Equifax
Macys – Experian (700+ $1,000)
NASA FCU Platinum Rewards – Experian
NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
Navy Federal Credit Union – Equifax – Transunion
NFCU GoRewards Visa – Experian (660+ $1,000)

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s
available)

Navy Federal Credit Union – Business – Transunion


Nordstrom – Experian (620+ $1,000)
OneMain Financial – Equifax
Overstock.com Comenity Bank – Experian (640+ $2,200)
PEX Card – Will Start Experian Business File
PNC Bank – Experian
PNC Bank – Experian (750+ $10,000)
Prosper – Experian (640+ $15,000) RBS –
Citizens Bank – Equifax
Red Check – Equifax
Restoration Hardware – Experian (700+ $2,000) Road Loans – Equifax
Sam’s Club -Experian (660+ $700)
SchoolsFirst FCU – Experian (660+ $12,000)
Sprint Nextel – Equifax
Sportsmans Guide Comenity Bank – Experian (680+ $2,500)
SunTrust Bank – Transunion
Stash (Synchrony) - Experian
TD Signature Visa – Experian (700+ $5,000)
Tempur-Pedic – Wells Fargo Financial National Bank – Experian (745+ $5,000)
TD Bank - Experian
T-Mobile – Equifax – Transunion
True Value Comenity Bank – Experian (640 $350)
USAA - Equifax
Verizon Wireless – Equifax – Experian Vystar – Equifax (region specific)
Victoria’s Secret – Experian Wells Fargo Bank – Experian – Chexsysems
Wells Fargo Credit Cards – Equifax

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s
available)

Wells Fargo Auto Finance – Experian – Equifax


Affinity Plus (Join Foundation)
Allegacy Federal CU (Join Association application
process) Applied Bank
Barclays
BBVA Compass Bank
CFNA
Discover (Equifax 50% of the time)
Eaton Family CU (Ohio Only) Fifth
Third Bank
First Premier Bank
GECRB (General Electric Capital Retail Bank)
John Deere Financial
KEMBA Financial CU (Angie’s List Eligible, used to pull Equifax)
Lake Michigan CU (ALS Assoc Eligible)
Lending Club
Mazuma CU (Join Harry S Truman Library & Museum
Mercedes Benz Credit Corp
Merrick Bank
Michigan First CUPNC (TU 50% of the time)

Regions Bank (region specific)


RBFCU
Smart Financial CU ($60 to join Houston Museum)

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s
available)

Synchrony Bank (See store card listing below held by Synchrony bank). Note synchrony also pulls
from Experian
State Farm
UMB
U.S. Bank VW
BRANDS AND STORE CARDS TRANSUNION BASED:
Amazon Store (SYNCHRONY AND CHASE)
American Eagle (SYNCHRONY)
Ameriprise (Barclays)
Apple (Barclays)
Ashley Furniture (SYNCHRONY)
Banana Republic (SYNCHRONY)
Belk (SYNCHRONY)
Babies R Us (SYNCHRONY)
Barclaycard Arrival
BJ’s (Barclays)
Bridgestone (CFNA)
Care Credit (SYNCHRONY)
Chevron (SYNCHRONY)
Dillard’s (SYNCHRONY) eBay
(GECRB)
Firestone (Citibank)
Gap (SYNCHRONY)
Golfsmith (SYNCHRONY)
Guide Dogs (UMB)
H.H.Gregg (SYNCHRONY)
Hooters (Merrick Bank)
JCPenneys (SYNCHRONY)
Linux (UMB)

L.L.Bean (Barclays)
Old Navy (SYNCHRONY)
PayPal (SYNCHRONY)
Priceline (Barclays)
QVC (SYNCHRONY)
Rooms To Go (SYNCHRONY)
Sallie Mae (Barclays)
Sam’s Club (SYNCHRONY)
Texaco (SYNCHRONY) TJX
(SYNCHRONY)
Toys R Us (SYNCHRONY)
Travelocity (Barclays)
UPromise (Barclays) US Air
(Barclays)
Walmart (SYNCHRONY)
Williams Sonoma (Barclays)

The location in which you are geopgraphically positioned can & may impact which credit
bureau a lender will pull from. This is a collection of what we have seen with our clients who
reside in different places across the U.S.A. Banks change their policies from time to time so if
you experience any changes, let us know!
Do you need help increasing your credit score fast?

Adding Tradelines legally adds positive history to your credit report, as well as gives
those with good credit the opportunity to make a monthly passive income.
Contact us on social media to learn more about how we can help you
increase your credit score, FAST!

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