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Regular Contributor
Posts: 163
Registered: ‎08-15-2008
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You have a 740 EX FICo and and one inquiry to burn... what do you do???

I would like to take one shot at a decent limit with a sure EX pull.  Clean file, much good installment history but lacking revolving history.
 
The Facts:
 
740 EX FICO
 
4 New Accts.
 
High CL of 5K
 
3 INQ's on EX 
 
One pull was Patelco for Auto Loan (approved for 30K) and they want me to wait to apply for VISA
 
Another pull was Macys = 1,200CL
 
Last pull was Merrill+ today = 30 day message
 
What do you do? 
11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
Established Contributor
Posts: 794
Registered: ‎08-05-2008
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

First I would go out and buy some champagne because I don't know if I will ever get that high with EX. Then I would apply for some nice card like AMEX, or Discover. Since I have been told that they are good cards to have.
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Established Member
Posts: 14
Registered: ‎08-15-2008
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

[ Edited ]
Inquire, "If you're from the village of truth tellers, which way to your home?"

Sorry, the subject line sounded like a riddle. I think different credit card companies (I know BOA does this) pull from different bureaus based on your location. Where are you from? (I hope that didn't count as my one inquiry)

Message Edited by nicksite on 09-09-2008 04:23 PM
Regular Contributor
Posts: 163
Registered: ‎08-15-2008
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

Thanks...  I guess I listen to too much sports radio...  I am in Illinois..
 
Thank you, I am amazed...  my EX FICO was 509 in May...  you all helped!
11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

Actually, BofA almost always pulls from EX. If the applicant's history is pretty new or otherwise shaky, they might pull TU in addition. And they softed me on EQ when I played with their website offers page.

Not arguing about the BofA/EX thing, but just saying that they seem to me to be one of the most consistent.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 163
Registered: ‎08-15-2008
0

Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

I just tried Merrill...  30 day thing...  is that not the same as BofA?
11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
Valued Contributor
Posts: 1,291
Registered: ‎02-26-2008
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

It is the same!

Amex or Bloomies.
Established Contributor
Posts: 570
Registered: ‎03-29-2008
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

Patelco or BoA.

I'd go with Patelco because I like CU's and they are one of the few that hasn't/won't give me a CC yet.

You might be able to save the inq if they go with that same pull as the auto.

Oterwise BoA has been very generous to many here.

Jax
App free for 1 month since 3rd NASA denial.
Jax

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Regular Contributor
Posts: 242
Registered: ‎07-26-2008
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???

I'd apply with BOA, and then ask to double your CL off the bat.
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: You have a 740 EX FICo and and one inquiry to burn... what do you do???



spiritcraft1 wrote:
I just tried Merrill... 30 day thing... is that not the same as BofA?



Merrill comes from BofA/FIA, but there's ongoing argument as to whether the standards are different.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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