12-11-2012 11:16 AM
12-11-2012 11:26 AM
12-11-2012 11:27 AM
I received a pre-approval in July 2011.
Checked my scores and CR's before app'ing online, scores were 685-715 across the different channels.
Called the number, gave invitation code and all that, annual net income, monthly rent.
Approved for 3,500. What's funny is that the CSR asked if that'd be enough! I said yes, not wanting to sound needy!
They pulled either Experian or Equifax. I can't recall. Pretty sure Experian, sounds right for some reason.
I've had a balance on it ever since, grow gradually with their 18 month 0% offer.
2 increases automatically in past year, but will request one once I pay my remaining balance off.
12-11-2012 11:48 AM
I had like 712-713ish on Equifax and that's who they pulled for me. Gave me a 2K CL with limited history. Also gave me 0% intro APR for like 15 months. Woo-hoo.
12-11-2012 12:36 PM
I was at 645 with Experian when I was approved for $1,500 credit line. I've only had it about 6 weeks so no increases yet but hopefully it will grow quickly.
12-11-2012 01:13 PM
Well let's see, I had one credit card open for 6 months. No derogs or any negative stuff on my CR's. I am a student with 12,000 income. I bought my TU and EQ scores at the 6 month mark (okay a little after) and they came back at 731 (EQ) and 742 (TU). Decided to pull the trigger anyway and see what happens. They pulled Transunion here in California. Score came back at 739 from Discover but was approved anyways. 1.5k limit. I like it so far, but I only plan to use it for the categories that they have. Good luck.
12-11-2012 01:18 PM
665 Equifax and 659 TU at time of pull. Lots of derogs including a foreclosure that was right at 2 years old, lots of 30 and 60 day lates, 1 CO. Instant denial, called back door $1k approval, 10 months later $5.7k :-) Still only at a 698 TU at time of CLI. I ran $10k through the card in the 9 months prior to CLI all multi payments each month never carried a balance.
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.