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Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010
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Which card(s)?

I wanna cancel 2 of my card by the EOY and I'm looking for 1 more with no annual fee.  I just got approved for a Office Max.  Not sure which CA they checked.  Are there any cards that check Experian?  I think I'd have better luck because my score is 695 through them.  This will be my last inquiry until the car purchase in June 2011.

Thanks in advance.

Wyman


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


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Moderator
MarineVietVet
Posts: 14,960
Registered: ‎07-14-2009
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Re: Which card(s)?

 


crazysxycool wrote:

I wanna cancel 2 of my card by the EOY and I'm looking for 1 more with no annual fee.  I just got approved for a Office Max.  Not sure which CA they checked.  Are there any cards that check Experian?  I think I'd have better luck because my score is 695 through them.  This will be my last inquiry until the car purchase in June 2011.

Thanks in advance.

Wyman


 

Hello there.

 

May I ask where you got your Experian score? No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

 

So if you got that score from the Experian website (it's called a Plus score by the way) or another place it is not accurate and won't be used if you apply for new credit. I just wanted you to be aware of that.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010
0

Re: Which card(s)?


marinevietvet wrote:

 


crazysxycool wrote:

I wanna cancel 2 of my card by the EOY and I'm looking for 1 more with no annual fee.  I just got approved for a Office Max.  Not sure which CA they checked.  Are there any cards that check Experian?  I think I'd have better luck because my score is 695 through them.  This will be my last inquiry until the car purchase in June 2011.

Thanks in advance.

Wyman


 

Hello there.

 

May I ask where you got your Experian score? No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

 

So if you got that score from the Experian website (it's called a Plus score by the way) or another place it is not accurate and won't be used if you apply for new credit. I just wanted you to be aware of that.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Hi marine - I got my EX score through my credit union.  The guy said they pulled Experian and I took the opportunity to ask what my score was and he told me. :smileyhappy:


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


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Established Member
Jason-mou2
Posts: 31
Registered: ‎11-13-2009
0

Re: Which card(s)?


marinevietvet wrote:

 


crazysxycool wrote:

I wanna cancel 2 of my card by the EOY and I'm looking for 1 more with no annual fee.  I just got approved for a Office Max.  Not sure which CA they checked.  Are there any cards that check Experian?  I think I'd have better luck because my score is 695 through them.  This will be my last inquiry until the car purchase in June 2011.

Thanks in advance.

Wyman


 

Hello there.

 

May I ask where you got your Experian score? No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

 

So if you got that score from the Experian website (it's called a Plus score by the way) or another place it is not accurate and won't be used if you apply for new credit. I just wanted you to be aware of that.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Just a side note, there is also a credit union in Colorado that pulls actual Experians for members.

 

 

Op, I was able to get a Capital One card with 1 credit step (500-750) built in early this year when I was in worse shape. It was my second card to an unsecured Orchard. Im pretty sure they pulled Exp for me though I cant guarentee thats what they always do. No af, decent introductory apr and I got it with 3 closed/paid collections and only 2 months of history with Orchard.

 

Another one I got in bad shape was the best buy reward zone mastercard, an HSBC card. Lame $300 limit, no af but it is a rewards card. Thing they pulled Exp as well.


Starting Score: Exp FAKO 548 (7-2009) Tu ---- Eq FICO 615 (5-2010)
Current Score: Exp FICO 661 (10-2010 CU pull) Tu FICO 694 (9-2010) Eq FICO 652 (11-2010)
Goal Score: 700s


Take the FICO Fitness Challenge
Moderator
MarineVietVet
Posts: 14,960
Registered: ‎07-14-2009
0

Re: Which card(s)?

 


crazysxycool wrote:

Hi marine - I got my EX score through my credit union.  The guy said they pulled Experian and I took the opportunity to ask what my score was and he told me. :smileyhappy:


AH!! That is good news for you then.  :smileyhappy:

 

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


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