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Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011
0

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
jefftca925
Posts: 687
Registered: ‎08-14-2008
0

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 World MC 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom Visa Sg 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sg 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sg 13k, Chase Marriott Visa Sg 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF Visa Sg 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates Visa Sg 8k FICOs as of June '14...EQ 808 TU 804 EX ?

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