topic Re: EXPERIAN PULL in Credit Cards

EXPERIAN PULL

Anonymous — Tue, 16 Oct 2007 03:00:33 GMT

My EXP FICO score is 648. can someone please tell me who pulls exp? plus Who would approve me for that score?

Thanks

Re: EXPERIAN PULL

Anonymous — Tue, 16 Oct 2007 03:25:43 GMT

AMEX and CCCU and Patelco CU all pull EX. Do you have any baddies? Recent? AMEX may give you a Delta Gold with that score. The 2 CUs mentioned can be very nice, especially CCCU.

Re: EXPERIAN PULL

Anonymous — Tue, 16 Oct 2007 03:28:09 GMT

I have 2 paid collections from 2 years ago. one for 294 and one for 250 and 1 paid lien of just 250 and that was 2 years ago. Thats all. What card is the most easiest to get with that baddoes?

Thanks

Re: EXPERIAN PULL

Anonymous — Tue, 16 Oct 2007 04:55:07 GMT

As long as they are paid a CU would be your best bet. You may even be better off with a local CU to start.

What aren't you repairing before rebuilding? have you disputed these items?

Re: EXPERIAN PULL

inquring_minds — Wed, 17 Oct 2007 00:40:19 GMT

What is the web address for CCCU? I googled it, several came up.

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 00:41:45 GMT

mycccu dot com

Re: EXPERIAN PULL

inquring_minds — Wed, 17 Oct 2007 00:47:25 GMT

thanks db23!

I have TU 610, EQ 655, EX 682 and (2) paid collections, car loan never late in 19 months.

You think I'll have any luck? I'm especially interested in AMEX delta skymiles, need a credit card.

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 00:50:25 GMT

I'd say they are fairly good that they'll give you something. They will pull EX which is your highest score according to your post. If those CAs weren't paid you'd get nothing so just make sure they absolutely report as paid on your EX file.

Re: EXPERIAN PULL

inquring_minds — Wed, 17 Oct 2007 00:54:53 GMT

Thanks db23, I will let you know the results.

You guys are great at Fico Forums!! - let's have a virtual tea party

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 00:56:03 GMT

It will take a few weeks, CCCU is FAR from an instant approval. The do manual reviews of EVERY application.

Re: EXPERIAN PULL

inquring_minds — Wed, 17 Oct 2007 00:59:39 GMT

db23, do you think I have a good chance with AMEX?

Re: EXPERIAN PULL

smallfry — Wed, 17 Oct 2007 00:59:58 GMT

@Anonymous wrote:
It will take a few weeks, CCCU is FAR from an instant approval. The do manual reviews of EVERY application.

They might get personal about any baddies too. Be prepared to answer some questions about the circumstances surrounding any negatives.

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 01:07:50 GMT

@inquring_minds wrote:
db23, do you think I have a good chance with AMEX?

I would say probably not very great, depending largely on how old those CAs are.

Re: EXPERIAN PULL

inquring_minds — Wed, 17 Oct 2007 01:09:42 GMT

I will proceed with caution

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 01:14:09 GMT

@inquring_minds wrote:
I will proceed with caution

FWIW I wouldn't proceed at all with AMEX, it will probably turn into a wasted EX inquiry.

Patelco is another good CU who pulls EX if you aren't already in with them it would be worth looking into.

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 01:36:02 GMT

I just pulled my EX fico score again after these 2 inquiries from CCCU and eddie bauer. My score is still 648. It is showing these 2 inquiries. But my score did not go down. Should not it go down after 2 inquiries?

Thanks

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 01:36:50 GMT

Can I apply for Carnival sea miles card with EXP fico score of 648?

Thanks

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 01:40:40 GMT

@Anonymous wrote:
Can I apply for Carnival sea miles card with EXP fico score of 648?
Thanks

I wouldn't touch them with a 10' pole, at least not until they stop closing people's new cards. Juniper is just too iffy right now. They had been pulling ONLY TU up until recently when people have been reporting multiple pulls, not just TU. I wouldn't waste an inq on Juniper/Barclays.

Re: EXPERIAN PULL

Anonymous — Wed, 17 Oct 2007 01:41:40 GMT

Thanks . I would not apply for it then.