Jru,
GE pulled Equifax(I'm in Washington, DC) when I applied. I think my Equifax score was around 680 when I applied and it was low because of my high utilization, which is why I think I got the invitation in the first place. I came home one day and found it in my mail and said to myself this is exactly what I need, so I called the next day and they approved me for a 15k line of credit at 10.99 and I was able to pay it down in a few months, in turn, raising my equifax score a little over 40 points.
The thing that I didn't like about this GE line of credit is 1. I had to pay a transaction fee of 75 bucks for them to direct deposit the money into my account and 2. You can only make 2 online payments each month toward your bill and you had to schedule the payment 2 days in advance, my guess is to squeeze an extra 2 days of interest outta ya. But overall, I saved money by consolidating my debt onto GE, but I won't be using this line of credit again because of the transaction fee.