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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: APP SPREE turned MAJOR SCORE BOOST


soamazin55 wrote:

I actually never even heard of them til you just mentioned it. Did a quick search, they aren't in NY. Closest one to me is about 75 miles away. Thanks for the sugesstion though!


Oh wow.......I thought they were all over the place. You could utilize online shopping with it tho.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
soamazin55
Posts: 17
Registered: ‎08-20-2011

Re: APP SPREE turned MAJOR SCORE BOOST


LS2982 wrote:

soamazin55 wrote:

I actually never even heard of them til you just mentioned it. Did a quick search, they aren't in NY. Closest one to me is about 75 miles away. Thanks for the sugesstion though!


Oh wow.......I thought they were all over the place. You could utilize online shopping with it tho.

 


Yeah, I guess you're right. Thanks.

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: APP SPREE turned MAJOR SCORE BOOST

Idk if you've considered this, but you may be able to supply updated credit reports to many of the creditors that approved you-since they likely didn't give you the best of terms. I think you must furnish it within 60 days? Esp if your score increased that much!
You'd prob have to go through a lot of work lol but it might be worth it to get a better apr/limit on your Amex ;-)
Congrats btw!
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Established Contributor
Simply827
Posts: 650
Registered: ‎10-15-2012

Re: APP SPREE turned MAJOR SCORE BOOST

Congrats on all the approvals.

 

You should know that the FICO pulled from this site is TU98, while the one Walmart gives is an updated model TU08. Even though they are both FICO scores, there will be differences between them.


Starting Score: 515
Current Score: EQ 667 EX 670 TU 683
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | DCU $5000 | Chase Freedom $4000 | Citi TYP $3500 | Barclay Ring $3500 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Established Member
soamazin55
Posts: 17
Registered: ‎08-20-2011

Re: APP SPREE turned MAJOR SCORE BOOST


youngandcreditwrthy wrote:
Idk if you've considered this, but you may be able to supply updated credit reports to many of the creditors that approved you-since they likely didn't give you the best of terms. I think you must furnish it within 60 days? Esp if your score increased that much!
You'd prob have to go through a lot of work lol but it might be worth it to get a better apr/limit on your Amex ;-)
Congrats btw!

No, I haven't considered that. If it's possible, I'm certainly going to try. Here's the thing...I mentioned having a paid collection as well showing on EX only (which took 4 hits during my app spree)....that opened on 03/01/08. Now, considering that falls off after 5 years as well, it should be gone in two weeks, leaving my report baddie-free. That would probably be the ideal time to re-submit credit reports. But seeing as you said I may have 60 days, it'd be cutting it close, as most of my apps were done on 01/13. Definitely will look into it. Thanks!

Established Member
soamazin55
Posts: 17
Registered: ‎08-20-2011

Re: APP SPREE turned MAJOR SCORE BOOST


Simply827 wrote:

Congrats on all the approvals.

 

You should know that the FICO pulled from this site is TU98, while the one Walmart gives is an updated model TU08. Even though they are both FICO scores, there will be differences between them.


Yes, I learned this after the fact, which is why I was as baffled as I was when I saw the TU08 score....thought it was like a 70 point discrepancy. Lol

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: APP SPREE turned MAJOR SCORE BOOST

First off Walmart Fico is 08 version and not 04 which most lenders use, it reflects a higher score on average

 

second FCRA of NY state the only state that offers this, paid collections is deleted in 5 years not 7. =) you just lucked out your living there :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Member
soamazin55
Posts: 17
Registered: ‎08-20-2011

Re: APP SPREE turned MAJOR SCORE BOOST

Tell me about it! Just called Experian..asked about a removal of a charge off (5 year mark)...she thought I was talking about the CA that resulted from it rather the OC charge off itself...informed me that she was processing its removal! :smileyhappy: Granted it was supposed to come off in March...I'll still take the early 10 days. Also removed the OC charge off that charged off in Nov 2006 so that was long over due...I had no idea about NY's FCRA. All my CC were received when that should of been off...but it is what it is I guess. Live and learn.


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