New Contributor
Posts: 72
Registered: ‎08-18-2010

Re: Kays CLI

Do you know who Jared and Key pull through??

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!

Valued Member
Posts: 29
Registered: ‎01-19-2010

Re: Kays CLI

Equifax for me

Frequent Contributor
Posts: 342
Registered: ‎08-31-2010

Re: Kays CLI

seems like 90% of lenders pull EQ... poor EQ gets abused! :smileymad:

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013

Re: Kays CLI

I have $5000 that I opened w kays. I thought i was smart and applied to jareds and bought a watch so it would report. Now on my credit reports it shows 2500 for each store. Screwed myself big time!!!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011

Re: Kays CLI

I'm not very happy with Kays. The rep lied to me when I apped in December in-store they approved me for $2,000. I asked for a higher line because I didn't want to spend over half of my limit and she called CS and they upped it to 2,700. OK I got what I needed for the DW and it reports as 2,000 not 2,700. I call and the rep. pretty much says there's nothing they can do they review accounts every 6 months and they'll see if I qualify. I hate when people give misinformation!

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

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