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Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

GE walmart/ae soft pulls for cli

i just got a letter for a cli i requested. is it a fico? 
it says range 300-850 so im assuming it is. transunion pull

it may be an old pull, but it sure does give me hope. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: GE walmart/ae soft pulls for cli


creditnocash wrote:

i just got a letter for a cli i requested. is it a fico? 
it says range 300-850 so im assuming it is. transunion pull

it may be an old pull, but it sure does give me hope. 


yes it is...i think GE does all approvals, SP and CLI using the TU08 Fico model.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
creditnocash
Posts: 2,237
Registered: ‎07-23-2012
0

Re: GE walmart/ae soft pulls for cli

alright thanks. Yeah letter said 748 but this month my score was 753 so yeah. Basically listed reasons same as amex. I just don't get carrying balances around (20% utilization) is making my score go higher lol. 

 

Apparently according to amex and walmart, I will get denied for cards and cli until more then half way through my auto loan, as its a reason ive been denied (loan balance to high too amount)

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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