Reply
Valued Contributor
Posts: 2,270
Registered: ‎07-23-2012
0

Re: How can I get my DW to pull her credit score?


jd5189 wrote:

Amex will do a BT on a revolver... but I think her util. is too high for an amex revolver. I would try and go for the Freedom. To get a good CL, make sure you say you want to do a BT when you app. That typically pushes them to give a higher CL.


not exactly. 

apped for mine over the phone and asked to bt 2k. and they only gave me 500. so obv the bt was denied. but i did get a storeless credit card. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: How can I get my DW to pull her credit score?


creditnocash wrote:

jd5189 wrote:

Amex will do a BT on a revolver... but I think her util. is too high for an amex revolver. I would try and go for the Freedom. To get a good CL, make sure you say you want to do a BT when you app. That typically pushes them to give a higher CL.


not exactly. 

apped for mine over the phone and asked to bt 2k. and they only gave me 500. so obv the bt was denied. but i did get a storeless credit card. 


I didn't say they were the best at BT's, but someone mentioned they did not know if they did. Personally, I would never do one with them. You would want to go for probably an 18 month 0% interest BT. 

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
New Contributor
Posts: 113
Registered: ‎05-06-2012
0

Re: How can I get my DW to pull her credit score?

[ Edited ]

in cali we are a CP state whats hers is mine debt included

 

Spouse is reluctant to pull credit when making a purchasetheir could be any number of reasons they might not want to do so.  I seen this about 1 out of 15 times working loan and finance..  Have you even considered that they just might not want you to see something on their ? The worst case I seen of this was a car loan that was open in husbands name alone, for his GF and wife had no idea. He pulled me aside b4 we ran the app and asked me not to mention it. I of course would have no knowledge of what's secret and most of the time I would point out things to both of them that would stop or hander the loan.. One time the wife started ripping into her husband over a charged off secret CC.

 

I think partners should share financial obligations and credit history, I would not want to marry into 50 K of credit debt or have my partner incur that behind my back. 

 

pfd that CO only 35 should be ez






Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
0

Re: How can I get my DW to pull her credit score?

Thanks everyone! AAoA looks to be about 6.5 years. I guess that's good. I'll have her try for a Chase today and then maybe an AMEX revolver.


Epic Contributor
Posts: 24,160
Registered: ‎10-23-2007
0

Re: How can I get my DW to pull her credit score?


obageegee wrote:

Thanks everyone! AAoA looks to be about 6.5 years. I guess that's good. I'll have her try for a Chase today and then maybe an AMEX revolver.


What Credit Report did you get? TU or EQ here on this site?

What are the Credit Lines Currently?

I'm not sure why you would want to apply for 2 more cards and BT half of each current card basically to spread out Util? again I would say that isn't really going to help her score most likely and if you are not buying anything soon why make it harder to payoff to improve a score that isn't needed right now "if" you can get approved for 2 new cards that will do the BT.

Amex is NOT a good idea for BT AT ALL!

Chase, they are iffy sometimes, yes collection very small but you might have to recon because the computer kicks it out for the collection.

look at barclay or pre-approval on Discover.

Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
80 Cards and Counting :smileytongue:
Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
0

Re: How can I get my DW to pull her credit score?

Good points. I think Chase Freedom will be a good starting point and go slowly from there. The other thing is to fix the dentist bill.


Regular Contributor
Posts: 201
Registered: ‎08-19-2012
0

Re: How can I get my DW to pull her credit score?

Still have a hard time following, how you ask your wife to do something, and she says no.

 

I'm only engaged, but glad my relationship isn't there yet, hopefully never gets there...

 

 

Now, where is she so I can tell her to go make me sammich.

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: How can I get my DW to pull her credit score?

Xxravenxx...

Its called a relationship where someone trusts their partner enough to know that their "no" will be listened to and talked about.

I'm married. If my husband asks me if he can spend 80 bucks on something and I say, no, wait two weeks, then he knows that if he did it now I would be upset.

Also, I asked him back in july if I could app for a business card, actually two of them. He said no, we talked about it and our goals and he was right.

Permission and support from both parties is important when you are in a partnership. You don't want to steamroll ahead and you each need to have the ability to single handedly put the brakes on if you don't feel comfortable with something.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
Posts: 201
Registered: ‎08-19-2012
0

Re: How can I get my DW to pull her credit score?

[ Edited ]

Aka....hiding something...

 

Spending 100 bucks that you don't have, is no where the same as getting someone to do something that's essentially free..

 

 

I've seen scenarios like this, where a husband didn't want his wife to see the vehicle that he bought for his girlfriend.

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
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.