07-30-2009 07:11 AM
I live outside of Philadelphia. I am thinking about adding a secured card using BOFA. I am wonder which report they would use. My Tu is like out of control with stupid inquiries...EQ has none. EX has 2.
Please let me know and thanks.
07-30-2009 01:06 PM
Hawaii. How nice. Where the heck did I go wrong! I live in the City of Brotherly SHOVE!
I can't imagine being declined for a secured card...i just didn't want that pesky inquiry....
07-30-2009 02:00 PM - edited 07-30-2009 02:35 PM
Well, I live in Utah - here they pulled Equifax.
(Edited to remove specific websites - sorry -- I thought I learned about them here.) Maybe Google for more info on which CRA's are pulled by different CC's as well - every bit of dependable info is helpful.
Hope I'm not in trouble (often happens, but usually for giving candy to my cute grandchildren) (before dinner).
DH was approved for $4,000 CL, decreased to $500 when checked on available increase (before card arrived). He actually has done well with Kroger ($6,000 to $10,000) and CareCredit ($8,000 to $11,500) making the same phone call. BofA behaved very differently than the other chaps. Hope I like these guys. And hope you do, too, if you app.
07-30-2009 02:10 PM
07-30-2009 02:29 PM
EX in FL.
No, you're not supposed to mention those two sites. One of them is very out of date/unreliable anyway.
Oh! I'll edit my post immediately. Even the out of date one has been somewhat helpful to me .
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO