topic whogavemecredit.com in Credit Cards

whogavemecredit.com

oracles — Wed, 04 Feb 2009 04:59:54 GMT

I just wanted to post this for all the newbies who may read or have done searches on here about this site.

Although this site is an excellent source to go to in trying to see what credit card company would approve for certain scores and what credit bureau will they pull for in a particular region, also understand things have changed tremendously in the last 5-6 months concerning credit and the limits given.

Please understand many if not all companies are very stringent when it comes to limits given and have increase their minimum score needed to obtain credit.

Make sure you look at the most recent entries into this site so you may see what criterias are needed currently.

I would also ask here before applying so you can get some opinions and not waste a hard inquiry.

This is just a FYI

Hope this helps

Re: whogavemecredit.com

haulingthescoreup — Wed, 04 Feb 2009 05:02:23 GMT

And I would also add that even on the older entries, it is by no means a given that the scores listed for the various bureaus are truly FICO scores, as opposed to scores from TrueCredit, etc.

I would take the scores posted with a one-pound box of salt, unless the poster says that they're FICO scores. And even then, I'm gonna wonder if the poster knew what s/he was talking about.

Re: whogavemecredit.com

oracles — Wed, 04 Feb 2009 05:09:33 GMT

Absolutely fantastic observation HTSU

Kudos to you

Definitely indeed there can be some untruths of the scores due to confusion or lack of knowledge

Re: whogavemecredit.com

MidnightVoice — Wed, 04 Feb 2009 17:47:53 GMT

I think that all the guidelines we used to have are shot right now. I would add 20 points to anything anyone suggested a few months ago.

As I said elsewhere, I applied in person for a USBank card; 13 years of banking with them, prefectly clean CR, excellent DTI ratio and a 795 score, and the computer insisted iy go to an underwriter (to the amazement of the lady in the bank).

Things have changed

Re: whogavemecredit.com

oracles — Wed, 04 Feb 2009 18:00:36 GMT

@MidnightVoice wrote:
I think that all the guidelines we used to have are shot right now. I would add 20 points to anything anyone suggested a few months ago.

As I said elsewhere, I applied in person for a USBank card; 13 years of banking with them, prefectly clean CR, excellent DTI ratio and a 795 score, and the computer insisted iy go to an underwriter (to the amazement of the lady in the bank).

Things have changed

Indeed they have