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 11:27 AM
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 One of them is very out of date/unreliable anyway.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 Even the out of date one has been somewhat helpful to me .