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Senior Contributor
Posts: 3,299
Registered: ‎04-22-2008
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Live in So Cal and need credit non EQ

I am buying a house in So Cal and want to pick up some furniture, a TV, and a few odds and ends. Does anyone know who I can go through to get decent credit with TU or EX (both in the high 600's on myfico). Current util is 0%  I keep getting EQ pulled and I have a serious mistake I am fixing on EQ that is killing my EQ score (around 620)
 
No lates in 12 months
charge offs (2-3) from 2001-2004
2 small collections from 2003
Regular Contributor
Posts: 127
Registered: ‎01-10-2008
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Re: Live in So Cal and need credit non EQ

[ Edited ]
try living spaces... its through wells fargo..you can do it on line.(just goggle them)
i really had no credit so to speak and some old little collections dentist etc and last year i got $4000 got some real nice leather couches ($150 a month payment), it was interest free for a year then it would be a CRAZY 25% but I paid it off before then..just a few weeks ago so I'm waiting to see if it helps my fico any  : )
..can't remember my score they were pre fico days when i didn't know anything..but I'm sure my score were nothing impressive! cant remember who they pulled not experian ..but like I said all my scores had to have been pretty bad back then !
good luck  : )


Message Edited by CRASMAKEMEPUKE on 09-18-2008 01:27 AM
Established Contributor
Posts: 971
Registered: ‎01-13-2008
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Re: Live in So Cal and need credit non EQ

What's a So Cal?
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
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Posts: 28,098
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Re: Live in So Cal and need credit non EQ



beenthere wrote:
What's a So Cal?



Southern California.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 971
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Re: Live in So Cal and need credit non EQ

Oh. Hip talk. I can dig it.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Established Contributor
Posts: 610
Registered: ‎08-01-2008
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Re: Live in So Cal and need credit non EQ

So Cal = Better than Nor Cal :-D
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
Senior Contributor
Posts: 3,299
Registered: ‎04-22-2008
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Re: Live in So Cal and need credit non EQ

Thanks.  I will check it out.
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Re: Live in So Cal and need credit non EQ


Tons_of_Debt wrote:
So Cal = Better than Nor Cal :-D

whoa, I dunno about that, northern California is tons lovelier... (from my dim memories at age 11 or whatever it was)

OK, TJ over, at least on my part --

mickie08, I was under the impression that Experian practically owns California for credit pulls? (and I'm sure that your new home and neighborhood are beautiful! :smileywink: )
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 794
Registered: ‎08-05-2008
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Re: Live in So Cal and need credit non EQ

I live in So Cal and 99 percent of pulls for anything (CC, auto, etc.)  have been on my EX... what I wouldn't give for a TU or EQ pull!
____________________________________________________

"Evacuate, in our moment of triumph? I think you overestimate their chances."
Established Contributor
Posts: 851
Registered: ‎07-01-2008
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Re: Live in So Cal and need credit non EQ

im also in so cal and it seems to me the bulk is pulled from EQ only..
walmart
target
chevron
chase freedom
chase mc
macys
lowes
this is just a short list of my current cards that only pulled EQ here in so cal
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