12-22-2012 11:37 AM
12-22-2012 12:11 PM
Congrats. They pulled EQ? What state/city are you in? myfico EQ is my best score and doesn't show my (1) paid collection that TU and EX show
Do you know if CHASE always pull EQ?.
Chase pulls EX in NY.
12-22-2012 12:19 PM
I did try to recon with the others. Discover said they wont over turn any initial decision, just to re apply in 45 days. BOA said my credit file wasnt strong enough after my repo. ( I have one Cap one card with 500 cl and a car loan on my credit file, on time for 2 years) Amex reviewed my app, only to deny me again. Anyone have any recon success with the others?
Chase is the only card who really does a true recon, at least thats my experience.
I was also approved for a Wells Fargo Platinum Rewards card about a month ago when i opened my checking account there. They actually gave me a 2,500 limit!
I live in Florida and my EQ Fico is 626. My report has one negative, a TD Auto repo from 2010. They keep reporting it every month, so when creditors look at my file, it looks like the repo just happened! SMH...Also have a lot of inquiries. I tried to buy a house this summer/fall and kept trying different banks. So now ill wait about 6 months or so and let the new cards bump my score a bit!
Barclays is known to be recon friendly.
12-22-2012 12:22 PM
Sometimes getting through the door is the hardest part of getting credit, but once your in it is only a matter of time before you build that relationship and start to harvest the benefiets. Congrats
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.