Credit Card Center Advertiser Disclosure†
01-07-2008 11:12 AM - edited 01-08-2008 10:49 AM
01-08-2008 10:20 AM - edited 01-08-2008 10:49 AM
01-08-2008 02:41 PM
missgamecock wrote:AGGGGGGGGHHH. Ok this just totally made me mad.So I finally get in touch with the guy. He tells me my FICO is 555. He is full of it.I had my ficos pulled for a refinance in November and they were 620, 623, and 625. That was with FAKOs at 637, 604, 585. Since that time, I have had a paid collection taken off that was less than a year old with AMEX. Paid several credit cards off and left the credit lines open for utilitilization help. I also opened the Hooters card to increase available credit $5k which gave a boost to my scores. He told me at first he pulled experian, which he did. Then he told me that citifinancial who the loan is approved through pulled Transunion. My credit monitoring says that they pulled EQ. He wanted to give me 11.5% but I want to see if I can get lower. If it is truly the best offer, not much will change for me in the next two weeks. So I told him to hold it open for 2 weeks and I would shop around. HE WAS NOT HAPPY!!!! Especially when I called him on my scores! I hate people that try to pull the rug out from you. It just ticks me off. I am off to try eloans, then I will start calling the preapproved offers. Oh and he told me the wrong price on my car for its worth. I looked that up to and it was a $1000 below what it was worth.Just applied with Eloans and lending tree. I was matched with 4 offers from Lending Tree. So now the comparing begins.
Message Edited by missgamecock on 01-08-2008 10:49 AM
01-08-2008 05:13 PM - edited 01-08-2008 05:14 PM
01-08-2008 09:13 PM
01-09-2008 02:31 AM
01-09-2008 03:15 AM
01-09-2008 04:15 AM
01-09-2008 04:53 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.