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anyone apping REI Visa?

Regular Contributor

anyone apping REI Visa?

through the end of the month, REI is offering something like a $100 gift certificate for approved REI Visa applicants

 

thinking of pull the trigger here, as I buy a lot of outdoorsy stuff -- camp stoves, sleeping bags, etc

 

just trying to get a sense of how choosey these guys are: I have one chargeoff from 2008 (since paid) and a 120 DPD on a student loan (from 2008 also). My latest TU FICO is 719, but my Equifax is much, much lower

 

also, I want to apply for AmEx BCP in November... don't want to waste an inquiry on this outfit unless I have better than 70/30 odds


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Established Contributor

Re: anyone apping REI Visa?

the REI Visa is through US Bank and they can be conservative and sensitive to derogs.  Here in CA they pull EQ so if your EQ score is not at least above 700 I wouldn't bother.  They are good with recons though if you are able to state your case with them.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
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