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