Opinions on WaMu pre approval.

Anonymous · ‎10-20-2007

I got a pre approval for WaMu Platinum Visa today. 0% on balance transfers until May of 09 and 11.99% APR. What really interested me is the free Fico score they mention in the letter.

Any opinions?

Also, anyone know who they pull?

Message Edited by kidwon on 10-20-2007 02:35 PM

Anonymous · ‎10-20-2007

Wamu pulled TU for me... Get the free score right away just not the credit profile yet.

Kooliad · ‎10-20-2007

knight76 wrote:
Wamu pulled TU for me... Get the free score right away just not the credit profile yet.

W

hat type of CL do they give?

Anonymous · ‎10-20-2007

They also can pull EX. For some they give $500 others $30,k. But best apply with 0% revolving UTL for best results. I like the card. I was denied for a very long time, then finally approved.

Anonymous · ‎10-20-2007

kid, I got the exact offer as you did, but with an APR of 9.99% after the 0% BT transfer period expires. Phoned in the app on 10/02/07, and received the cc last week. They gave me a $6,500 credit limit, which pleased me to no end.

The TU score is pretty neat. That section also records your scores in a line graph, so you can see your progress. And it's a true FICO score, instead of the FAKO's out there.(pronounced FAKE-0)

And for me(I'm in Texas), they pull exclusively from TU.

Score at time of application(pulled 10/01/02):

TU: 676
EXP: 665
EQ: 633

"Never ever, ever be late. Never"

Message Edited by Sylviatob on 10-20-2007 05:31 PM

Anonymous · ‎10-23-2007

@Anonymous wrote:
kid, I got the exact offer as you did, but with an APR of 9.99% after the 0% BT transfer period expires. Phoned in the app on 10/02/07, and received the cc last week. They gave me a $6,500 credit limit, which pleased me to no end.

The TU score is pretty neat. That section also records your scores in a line graph, so you can see your progress. And it's a true FICO score, instead of the FAKO's out there.(pronounced FAKE-0)

And for me(I'm in Texas), they pull exclusively from TU.

Score at time of application(pulled 10/01/02):

TU: 676
EXP: 665
EQ: 633

"Never ever, ever be late. Never"

Message Edited by Sylviatob on 10-20-2007 05:31 PM

I got the exact same offer too. Got approved for a 5k limit, so pleased, this is my first card with a limit over 1500, yay me.

Anonymous · ‎10-23-2007

How can I apply fo rhtis card? Can someone provide me with WaMu contac information. I'm trying to build up my credit.

bsugar515

Anonymous · ‎10-23-2007

Check their website.

Anonymous · ‎10-23-2007

Congrats girl. This is by FAR the largest cc with such a nice cl, for me.

And it's really given me an opportunity for a new beginning.

Never ever, ever be late. Never

AlwaysLearning · ‎10-23-2007

I got this card in part of rebuilding my credit and wanted to be able to regularly check my FICO score. I was told WaMu goes down to a 620 TransUnion enhanced score to approve (I asked at the local branch). I was approved and when I set up my online account to check my scores, the first one reported was 638 which I knew was too low. 90 days later when they posted my second "FICO" score, I went down to 618. This scared me as I was paying everything on time, so I came out here to myfico.com to purchase my score that day. My TU score was 676; kind of a big difference. I called WaMu customer support to ask what the disparity was and they only repeated the same phrase "We only report what TransUnion gives to us". Afterward I learned from these forums they use an enhanced TansUnion score, but it is not your real FICO score. Basically I chose this card to get my score on a regular basis, but now don't trust the score.