Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
2NE1 wrote:
Does anyone know what's the lower score to qualify for this card? who's the provider? which CRA does it pull? and are they BK ('09) friendly?
Thanks!
Carecredit is managed by GEMB. They pulled EQ for me when I applied.. They are BK friendly, I was 3 years post BK when I applied. I don't remember what my scores were in September (when I applied) but I will guess probably around 670 on EQ.
What is your credit situation like? Do you have any baddies post BK? They are known to be fairly generous and not as strict with credit requirements like other banks. Just be sure to call as soon as you are approved and ask for a CLI. I wish I had done that but now my CL is probably stuck where it is since they don't do CLI without a hard pull.
daisydvm wrote:
Carecredit is managed by GEMB. They pulled EQ for me when I applied.. They are BK friendly, I was 3 years post BK when I applied. I don't remember what my scores were in September (when I applied) but I will guess probably around 670 on EQ.
What is your credit situation like? Do you have any baddies post BK? They are known to be fairly generous and not as strict with credit requirements like other banks. Just be sure to call as soon as you are approved and ask for a CLI. I wish I had done that but now my CL is probably stuck where it is since they don't do CLI without a hard pull.
A family member will be the one opening the CC for his dental work. Would you suggest to pick a HIGH CL (just in case) at the time of the application? or do they confirm the actual amount with the dentist provider? I'm not sure what his EQ score is, but he did file for BK in 2009 (I believe Ch. 7) I don't know if that makes a difference with Ch. 13.
A family member will be the one opening the CC for his dental work. Would you suggest to pick a HIGH CL (just in case) at the time of the application? or do they confirm the actual amount with the dentist provider? I'm not sure what his EQ score is, but he did file for BK in 2009 (I believe Ch. 7) I don't know if that makes a difference with Ch. 13.
I filed a Chapter 7 and I don't believe it should make any difference with a discharged Chapter 13. I would absolutely have him put in more than required for the procedure in the application. Primarily to help reduce his utilization. I needed about $2500 for my pet's surgery and got a $2700 limit. They usually give you a few days (I think up to 3) to call and ask for a CLI after approval
daisydvm wrote:I filed a Chapter 7 and I don't believe it should make any difference with a discharged Chapter 13. I would absolutely have him put in more than required for the procedure in the application. Primarily to help reduce his utilization. I needed about $2500 for my pet's surgery and got a $2700 limit. They usually give you a few days (I think up to 3) to call and ask for a CLI after approval
Thanks so much for the info! 
I hope he's able to get it!
you got some nice scores post-BK, great job!
2NE1 wrote:
Does anyone know what's the lower score to qualify for this card? who's the provider? which CRA does it pull? and are they BK ('09) friendly?
Thanks!
I was approved with a 632 EQ FICO. Not sure if they are BK friendly. I would say they will pull EQ or TU, GE is not a big EX puller at all.
LS2982 wrote:
I was approved with a 632 EQ FICO. Not sure if they are BK friendly. I would say they will pull EQ or TU, GE is not a big EX puller at all.
Thanks LS! do you know if they're inquiry sensitive? cause I believe he might have like 3 or 4 inquiries since January cause he refinanced his two cars (BofA and Wells Fargo refused) but a local credit union that only pulls TU did work!
2NE1 wrote:
LS2982 wrote:
I was approved with a 632 EQ FICO. Not sure if they are BK friendly. I would say they will pull EQ or TU, GE is not a big EX puller at all.Thanks LS! do you know if they're inquiry sensitive? cause I believe he might have like 3 or 4 inquiries since January cause he refinanced his two cars (BofA and Wells Fargo refused) but a local credit union that only pulls TU did work!
I had about 15 INQ's (most recent) when they approved me.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
