07-19-2009 04:56 AM
07-19-2009 05:26 AM
Different banks pull from different reports. Some pull one, others pull 2. You're not actually applying with Hooters...you're applying with the bank that backs them.
Doing a quick check...seems Hooters is backed by Merrick bank & pulls TU quite often in MD. They wewre approving high 5's to mid 6's in late 07...to mid 08.
Might be worth a try
07-19-2009 05:42 AM
Why do you want the Hooters card? Have you checked rates & such with other cards/lenders??
Or is it simply because it's a Hooters card?
07-19-2009 05:57 AM
I agree with B-Mo, give it a shot!
I got mine in 2007 with scores lower than yours.
Hooters was first card this year to give a CLI - $200,
07-19-2009 06:01 AM - edited 07-19-2009 06:04 AM
I eat there alot...
That may be so...but does a hooters card give you meal discounts???
I'm just saying...weigh out your options. For instance, do you have a checking acct history with a local bank? They are likely to give you a better card & a better deal. Don't go for hooters, simply because the card looks "cool".
07-19-2009 06:21 AM
Just an observation...if I'm wrong...I'm wrong.
Your screen name reveals a lot. You want the card because it will look cool to your friends. There's no other reason that you want it "bad". It's not like they offered you a low int rate. You like the food, but can pay cash.
We have all been young, and made bad credit choices and are trying to clean up our messes. If I had access to a forum like this when I was in my 20's, I'd have AMAZING credit history. You don't know how lucky you are to have this wealth of information at your fingertips. If you get that card simply because it's a "Hooters" card...mark my words...you'll be back in 3 years asking for help to get the CO off your reports.
I've been on this forum for a while now. I love to help people with the rut they're in....because I've been there. But someone who wants a certain card as a "show off" to their buddies....that's a shame. There are a ton of folks out here who wish they had the clean slate you're destined to muck up.
Harsh? YES Honest...most definitely.
That's all I'm saying on the topic. MODS...forgive me if I'm out of line, but I feel this forum is here to Help people.
07-19-2009 06:49 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.