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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

I'll finally get my FICO EX score

Talked with SBA-disaster loan people. They hard pull EX, only one pull, and only report to CRA if you are late. Ironically, my credit rehab hurt my loan possibilities. Because I can get credit elsewhere I don't qualify for grants and I will have shorter term and higher interest rate.

Well, since a lower score in EX actually gives me a better rate I've decided to go ahead and app for Amex. I'm on road right now but here is my plan:

1. App for zync (if approved then delta) EX pull
2. App for CU products (spoke to them today and got CL bumped to 12k so 6k LOC and 6k MC) 1 EQ pull
3. App for TU card....need suggestions (Walmart, amazon, iTunes, other?) TU pull
4. App for NFCU end of month.

Thoughts
2.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Jlu
Posts: 569
Registered: ‎06-12-2012

Re: I'll finally get my FICO EX score

Rewards for bad behavior. Typical government. Remember when the US used to reward success?

Wallet: JP Morgan Select Visa Signature $10k | Chase Sapphire Preferred $7k | Citi ThankYou Premier Visa Signature $5700 | AMEX Premier Rewards Gold Card | Barclaycard Visa $5k | Discover IT $10k | Chase Freedom Visa $3k | Capital One Quicksilver $3k | Bank of America Cash Rewards Visa Signature $8k | Walmart Store $5k | Amazon Store $10k | Chase Total Checking |
Regular Contributor
alboto
Posts: 211
Registered: ‎08-23-2012

Re: I'll finally get my FICO EX score

Rewards for bad behavior. Typical government. Remember when the US used to reward success?

 


is that a myth?

Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: I'll finally get my FICO EX score

Yup. Kind of messed up.

Which TU card to go got??


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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