Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012


I just applied a couple of days ago for an upcoming procedure next month and I was instantly approved for $6100.  I'm not sure yet which CRA they used because I have yet to receive an inquiry notification.  As soon as I know I will update.

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Moderator Emeritus
Posts: 10,844
Registered: ‎12-30-2011


Previously CareCredit was the odd duck, pulling EQ when all other GE-backed cards I'm aware of pulled TU.


Now that has changed at least somewhat.


Personally I think it's moot, if you have medical expenses that care credit can cover, just go apply.  It's not like you need pristine history to obtain it, 12 inquiries vs. 1 *shrug*.  Finances > FICO in this case, and another inquiry on EQ ain't going to hurt you much if at all if you make that lucky number 13 statistically.



Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)

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Established Contributor
Posts: 741
Registered: ‎10-04-2010


I live in AL. Carecredit pulled EQ when I applied for the card in September. I applied for a CLI in May and they pulled TU

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

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