04-02-2009 11:15 AM
I need some advice my first major credit card. My girlfriend payed $2000 for some of my schooling and I need to pay her back. I pulled my fico 2 months ago and they averaged 670. I disputed and old negative account which fell off TU EFX and they jumped to 763, and 788 respectively. I know WOW. Unfortunately XPN still has the old account and according to Free credit Report.com on 4/1/09 is 687. The old account should fall off in August but I don't want to wait that long if I can get a balance transfer at 0% now.
Which CCC's should I apply for? (Ones that pull TU or EFX reports.)
How can make XPN to fall in line with TU and EFX.?
04-02-2009 11:25 AM - edited 04-02-2009 11:31 AM
Are your TU and EQ scores FICO or FAKO scores? Either way they look good. Do you have any CCs now in good standing?
Kind of depends on where you live which report different companies pull but Citi Bank usually pulls EX and Discover pulls either TU or EX...both offer good BTs. Juniper pulls TU.
Any new accounts or recent inquiries?
Edited because I just realized you said "first credit card" and need EQ pull, not EX., sorry...maybe someone else has better options for you.
04-02-2009 11:33 AM - edited 04-02-2009 11:34 AM
I would say Hooters Mastercard and they pull TU, they should give you a few Thousand with that score.
Just my 2 cents....
04-02-2009 11:59 AM
TU and EQ are FICO scores
I live in San Jose (Northern California)
I have 3 had inquiries
I should clarify that I have previously held credit card. In fact I currently have a Macy's card (they were giving me 30%). Unfortunately I was so poorly educated in credit that I canceled them with in months of opening them.
04-02-2009 12:23 PM
04-02-2009 01:25 PM
04-02-2009 03:59 PM - edited 04-02-2009 04:10 PM
These responses are not provided or commissioned by FICO. Responses 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.
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.