I think he's referring to this
I don't mean to threadjack, but this article sounds like a bunch of crap. Not only do they make no mention about making sure whether or not the CCCs you're apping for pull from the same bureau, but it starts with this *headdesk* worthy tidbit:
"Open up Internet Explorer, Mozilla Firefox, and Google Chrome all in private mode. I use private mode and different browsers to ensure the credit bureaus don’t see my other inquiries."
No. Just... NO. That is NOT how private browsing works.
Yeah, a lot of that post didn't make sense to me either. The only way I can see that working is all three pulls were done simulatiniuously the creditor may not see the other pull. However, the pull should still show up on your report afterwards.
BTW USAA is known for giving out huge limits as long as you have a good score.. which i did and im sure refi my auto loan with the, helped them give me my huge limit
What was your score before you applied?
I didnt know my new score once the last collection came up until I applied..
FICO Score from USAA & Discover = 743
Prior to that my score was 588
Awesome, so if MyFico's TU score is correct then I have a chance as well.
Thanks again for all the info!
Why did you change your mind about 1st Tech CU?
seems like they are ultra conservative and their rates arent as good as other CU/USAA that I have seen.. Plus they are experian only puller and thats my worst file...