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Who Gave You Credit, Score ?, and Who they Pull Group...

Contributor

Who Gave You Credit, Score ?, and Who they Pull Group...

Hope this is ok with the Mods... I thought it'll be a good idea to start our own group. Everytime I try to look for this info, I see the same answer "whogavemecredit".com. But the thing is that is not always correct, or people post different information, or all scores, or not idea who pull it. I think this will be great overtime, if you stick to the info below. Smiley Wink

 

 

Product: 

Creditor:

Which CRA they pull:

Score at the time:

State of residence:

Decision:

CL:

APR:

APP Date:

 

Thoughts?:

 

 

Message Edited by oneilldn on 04-01-2009 08:32 PM
02/2009- EQ 502/TU 516/EX 499
11/2009- EQ 701/TU 709/EX 721(fako)
03/2011- EQ 719/TU 729/EX 733 (by lender)

'NEVER GIVE UP"
14 REPLIES
Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

Product: Hooters CC

Creditor: Merrick Bank

Which CRA they pull: TU

Score at the time: 660

State of residence: OR

Decision: Approve

CL: 2000

APR: 11.8%

APP Date: 3/27/09

 

Thoughts?: I have heard goods and bads about this CC, but i needed some revolvong credit asap to raise my score.... Haven;t got it n the mail yet tough,,Smiley Sad

Message Edited by oneilldn on 04-01-2009 08:36 PM
02/2009- EQ 502/TU 516/EX 499
11/2009- EQ 701/TU 709/EX 721(fako)
03/2011- EQ 719/TU 729/EX 733 (by lender)

'NEVER GIVE UP"
Established Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

Creditor:                         Discover More

Which CRA they pull:  Equifax

Score at the time:         737 Fako...guessing 700-720 Fico by other Fico scores

State of residence:       Nevada

Decision:                         Instant online approval 0% BT for 1 year and % purchase for 6 mos.

CL:                                    $5000 

APR:                                  10.9

App Date:                        3/09/2009

COMMENTS:                  EQ only CRA reporting 8 yr old BK; also only one

                                            showing 6 1/2 yr old med. baddie, 1 inquiry at time of

                                            app

 

 

Creditor:                           Citi Bank

Which CRA they pull:    Experian

Score at the time:           740 Fico

State of residence:         Nevada

Decision:                          Instant online approval  (3rd inquiry on report)

CL:                                     $4000   0% BT for 9 mos      

APR:                                   9.9%

App Date:                         3/22/2009

 

 

 

Creditor:                            US Bank

Which CRA they pull:     Experian

Score at the time:            740 Fico

State of residence:          Nevada

Decision:                           Received E-mail with approval 2 days later

CL:                                       $8000   0% BT for 1 yr.

APR:                                     7.9%     

App Date:                           3/22/2009        


 

Message Edited by VEEnVEGAS on 03-29-2009 10:20 AM
Message Edited by VEEnVEGAS on 04-02-2009 07:18 PM
Message Edited by VEEnVEGAS on 04-03-2009 09:47 AM
Regular Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

Creditor: Home Depot

Which CRA they pull:  Equifax

Score at the time: 655

State of residence: Georgia

Decision: Instant Approval

CL: $1,000

 

FICO 05/27/08 TU 721 EQ 681 EX 664
FICO 05/15/08 TU 721 EQ 665 EX 645
FICO 04/26/08 TU 685 EQ 662 EX 626
One "UP" two to go!!!
Senior Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

If collecting this info, might be good to state who backs the card (ex:  citi for sears, etc.)

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

Product: Visa Classic 

Creditor: First Tech Credit union

Which CRA they pull: EQ

Score at the time: 690

State of residence: OR

Decision: Approve

CL: 1000

APR: 6%

App Date: 03/30/09

 

 

NOTES: I love this CU.... 6%?????Smiley Very Happy A few months ago no one would have let me borough not even a candy cuz such a horrible credit. Now, I'm getting approve at 6%.... whewwwww...........

Message Edited by oneilldn on 04-01-2009 08:37 PM
02/2009- EQ 502/TU 516/EX 499
11/2009- EQ 701/TU 709/EX 721(fako)
03/2011- EQ 719/TU 729/EX 733 (by lender)

'NEVER GIVE UP"
Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

Creditor:  Macys/DSNB

Which CRA they pull: EX

Score at the time: 729 FAKO, don't know FICO score

State of residence: IL

Decision: Instant Store Approval

CL: $1200  (Store Card) and $4000 Visa

APP Date:March 18th, 2009

 

Thoughts?:  Excellent customer service. If you apply in store you will always get  high CL, online gives lower limit. If you don't want the Visa card dont forget to indicate that during the application process.

 

 

Creditor: SAMS/GEMB

Which CRA they pull: TU

Score at the time: 633 FICO

State of residence: IL

Decision: Instant Store Approval

CL: $1350

APP Date:March 30th, 2009

Thoughts?: High interest rate, but it's good for credit mix.

Message Edited by scrambler on 04-02-2009 09:33 AM
Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...


txjohn wrote:
If collecting this info, might be good to state who backs the card (ex:  citi for sears, etc.)

I agree; also, it's probably a good idea to include dates so people know how current the information is.

 

Overall, good idea!

-------------------------------------------------------------

Might as well change my surname to Morgan-Chase.
Closed on my crazy midcentury home in July, 2012! Thanks, FHA!
Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

Agreed, will update mines.
02/2009- EQ 502/TU 516/EX 499
11/2009- EQ 701/TU 709/EX 721(fako)
03/2011- EQ 719/TU 729/EX 733 (by lender)

'NEVER GIVE UP"
Contributor

Re: Who Gave You Credit, Score ?, and Who they Pull Group...

maybe should add if there was any bads on reports and AAoA when applying....