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When You App For a GE Card..

Regular Contributor

When You App For a GE Card..

I know that GE generally pulls TransUnion.. But is the score they use the Credit Score or the Vantage Score??

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 1 of 20
19 REPLIES
Moderator Emeritus

Re: When You App For a GE Card..

I think that GE might even have it's own internal scoring system.  I've seen some scores on here that would signify that.

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 20
Regular Contributor

Re: When You App For a GE Card..


Shogun wrote:

I think that GE might even have it's own internal scoring system.  I've seen some scores on here that would signify that.

 


I thought that.... But i would think they would still base what they use as a score off of either a credit or vantage score? But its true, i do believe they use an internal.. hmmm

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 3 of 20
Frequent Contributor

Re: When You App For a GE Card..

They do have an internal score -

 

I was denied for a Walmart card and the score they gave back was 50 something.... I know for sure that is not a fico score seeing how my fico scores (lender pulled) are in the 600s.

 



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Message 4 of 20
Senior Contributor

Re: When You App For a GE Card..

Wow... Ive seen GE use several diff scores from an internal score to a true FICO..

However, Ive not seen them use a Vantage Score ever
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 20
Valued Contributor

Re: When You App For a GE Card..

What cards does GE carry? Do you have a link to their site?

 

Thanks

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 6 of 20
Super Contributor

Re: When You App For a GE Card..


Dustink wrote:

What cards does GE carry? Do you have a link to their site?

 

Thanks


https://www.gogecapital.com/en/consumer-credit-financing/find-merchants.html If you click here and go through the different types of businesses they finance ((IE: Furniture, automotive, appliances) you'll get to see all the stores they do. 

 

Not all of them are cards, some are just financing options. Also I don't think they list some stores there, such as Old navy, gap, banana republic, JC Penny, stuff like that. 

 

Once you click on the type of business, the stores they finance in that area will be listed at the bottomish left

Message 7 of 20
Valued Contributor

Re: When You App For a GE Card..

What do you think their best rewards card is?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 8 of 20
Valued Contributor

Re: When You App For a GE Card..


Dustink wrote:

What do you think their best rewards card is?


I don't think GE has any rewards card. They are more like a financing CCC.

As of 2017, rebuilding...
Message 9 of 20
Super Contributor

Re: When You App For a GE Card..


maiden_girl wrote:

Dustink wrote:

What do you think their best rewards card is?


I don't think GE has any rewards card. They are more like a financing CCC.


A lot of their major versions of store cards have rewards. I think walmart discover is 1% on everything, old navy is 5pts/$1 @ old navy, 1pt/$ everywhere else. Stuff like that. They aren't like great rewards cards though. 

Message 10 of 20