02-23-2009 11:20 PM
02-24-2009 07:31 AM - edited 02-24-2009 07:33 AM
Both my husband and I just applied for Care Credit in January... and yes, it was for cosmetic surgery... they pulled Equifax, both of our scores are in the mid 600s. I have a collection (that just refuses to drop off... it's from '05 and it's holding my score down ), he has no baddies, and both of us have excellent payment history.
Anyway, I was approved for 6000, he for 8700. When it asked for an amount I put in some ridiculous number, and they countered. They do give you an option to ask for a CLI almost immediately. While doing research for my surgery I read that if the dr. calls in and asks for the CLI you're pretty much guaranteed it. Fortunately, I didn't have to do that... I doubt I would have anyway, I find the idea of it to be embarrassing.
02-24-2009 09:34 AM
I just applied and it was denied on the spot,and they give me a reference number
Does anyone know if that a flat denied or there is hope ?
Thanks for the input
scores? I would for sure call and see what they say.
02-24-2009 09:53 AM
wow denied with 677... im so not applying!
I dont have a number, sorry... anyone got one?
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.