Reply
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: GE Capital

I also think there would be a better chance at 650+....

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Frequent Contributor
Posts: 275
Registered: ‎03-05-2013
0

Re: GE Capital

Amazon credit card is also issue by GE Capital retail bank and application states you have to be clear from bankruptcies so is jewelry account are underwrite differently than a credit card by GE, just curious. I'd like to know if they re BK friendly as Barclay

Established Contributor
Posts: 753
Registered: ‎03-27-2013
0

Re: GE Capital

@09Lexie

 

what type of sony card that u have from GE?

 

cz  i have sony visa reward card from cap1.....had it since april.


BK 7 Discharged 6/12 (Burned Amex, Chase and Citi)
Order of approvals...
Valued Contributor
Posts: 1,540
Registered: ‎11-10-2012
0

Re: GE Capital


Zelaya wrote:

Hello, I'm considering buying a watch and would like to finance 50% with no interest for 12 months, does anyone know if they're BK friendly and what fico score is needed. Also what bureau do they use. If anyone has applied for GE Capital products please give me your thoughts with cons and pros.


AFAIK, GE is not too harsh with BK, as long as it is "old."  I would think mid 600's would be good as a score. GE pulls TU, mostly. Good luck to you!

 photo Logo - Credit Card Collection - Data Inclusive_zpssvrljexn.jpg
Frequent Contributor
Posts: 470
Registered: ‎02-14-2013
0

Re: GE Capital

I'm just over 6 mos. from BK7 discharge. TU fakos are 650-665 (haven't had a TU denial letter recently, don't know Fico.) I applied a few months ago for Walmart (GE) and denied, hit the post-6 month mark a few days ago, and tried again yesterday. Approved for Walmart $400, then approved for Amazon $600, then 7-10 day msg. for TJX. All 3 were TU pulls.

You could test the GE water with Walmart, it's worth it for the free Fico if approved.
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: GE Capital

@bk510

I have the Sony Financial Services backed by GE. I got it on Mar 9, for the specific purpose of using the 36 mo -0% APR for 2 TVs I purchased. I did not app for the Visa for 2 reasons- they weren't offering the 0% promo and I personally don't care for Cap 1.
Frequent Contributor
Posts: 319
Registered: ‎03-25-2013
0

Re: GE Capital

[ Edited ]

While this board seems to have only love and support 94% of the time.  Let me offer the idea that perhaps wanting to finance a watch over 12 months is not unrelated to your current credit score?

 

I'm curious to know - or more precisely - curious if you know your net worth and monthy cash flow.  Your problem may go well beyond worrying about which report GE pulls.

 

edited 'cause I am a bad typist

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.