topic Re: Need another cc!!! in Credit Cards

Need another cc!!!

Anonymous — Mon, 31 May 2010 22:20:11 GMT

Hello,

My scores are 682 Experian, 684 Transunion, 688 Equifax. Im looking into getting another cc. I heard Chase was good also discover. Which cc would pull Transunion? Also, please let me know other cc i should look into...

Re: Need another cc!!!

daisyduke — Mon, 31 May 2010 22:50:41 GMT

Hi there,

Where did you get your three scores from?

Re: Need another cc!!!

Anonymous — Mon, 31 May 2010 23:03:06 GMT

I went to the bank and they already had pull it to see scores and i ask to have a copy...

Re: Need another cc!!!

daisyduke — Mon, 31 May 2010 23:23:20 GMT

Hi,

I guess before I apply for my next card, I would want my utilization to look great. So what other cards do you have and what's your utilization?

Re: Need another cc!!!

Anonymous — Mon, 31 May 2010 23:29:04 GMT

Have a 2 Visa one from my bank and other credit union...I use the cut but PIF before statements ends the uti is about 10%

Re: Need another cc!!!

ngerasimatos — Mon, 31 May 2010 23:38:54 GMT

@Anonymous wrote:
Hello,

My scores are 682 Experian, 684 Transunion, 688 Equifax. Im looking into getting another cc. I heard Chase was good also discover. Which cc would pull Transunion? Also, please let me know other cc i should look into...

Chase pulls EX usually, and barclays pulls TU. I would suggest going with Barclays as they are less picky and recons always seem to work with them if the initial decision is a decline.

Quick question, what CL are you looking for?

Re: Need another cc!!!

Anonymous — Mon, 31 May 2010 23:59:08 GMT

I cant be to picky! But at least 500-1500 for the CL

Re: Need another cc!!!

ngerasimatos — Tue, 01 Jun 2010 00:06:00 GMT

I would say Barclays (any offering) or HSBC (Best Buy Mastercard)

Re: Need another cc!!!

Anonymous — Tue, 01 Jun 2010 00:08:33 GMT

What are the requirements for both cards? Which one would be easier to get? Do HSBC pull TU?

Re: Need another cc!!!

ngerasimatos — Tue, 01 Jun 2010 02:08:13 GMT

I would recommend a card through Barclay as they offer CLIs and HSBC currently does not.

Re: Need another cc!!!

Anonymous — Tue, 01 Jun 2010 02:09:13 GMT

Which one would you recommend? That have alot...

Re: Need another cc!!!

ngerasimatos — Tue, 01 Jun 2010 02:12:23 GMT

Any Barclays card, find one thathas rewards that suit your needs. I have the Virgina America card and also the Apple card. Both pulled TU for approval. Mostpeople here with a score of 670 or higher have been approved and the ones turned down were later approved on a requested recon.

Re: Need another cc!!!

MarineVietVet — Tue, 01 Jun 2010 04:52:06 GMT

I'll ask you also. Where did you get those scores? No one has been able to pull their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com (If you look hard enough) and your Transunion score at www.transunioncs.com.

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

Re: Need another cc!!!

Anonymous — Thu, 03 Jun 2010 16:17:53 GMT

How is the Apple Card? I thinking about getting that card?

Re: Need another cc!!!

ngerasimatos — Fri, 04 Jun 2010 01:17:16 GMT

I got the Apple card first (the white one) and then did a product change over the phone to the Virgin America card. I love Barclay's. I would suggest the Virgin AMerica card as once I did the product change I got a check included with me new card and was give the opportunity to write an ACH for the FULL credit line amount at 0% interest for one year!