topic Re: BOA Experian FICO in Credit Cards

BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 20:15:36 GMT

Just got my Experian FICO from Bank of America for applying for one of their cards. The thing is, I was under the impression that they only sent you your score if you were denied, but I was approved. Kind of like a double bonus! Turns our, my Experian is my best score (by a few points).

Re: BOA Experian FICO

MakeItAMudLight — Mon, 18 Jul 2011 20:25:24 GMT

I got mine as well. The letter started out by saying I was approved though. I actually got my card today. I'm a little disappointed because it doesn't look as nice as on the website. Also there is no mention of the "Signature" benefits.

Re: BOA Experian FICO

tntexans72 — Mon, 18 Jul 2011 20:25:52 GMT

@Anonymous wrote:
Just got my Experian FICO from Bank of America for applying for one of their cards. The thing is, I was under the impression that they only sent you your score if you were denied, but I was approved. Kind of like a double bonus! Turns our, my Experian is my best score (by a few points).

Congrats!!

Do you know your EX Plus score?

Re: BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 20:37:14 GMT

@tntexans72 wrote:
@Anonymous wrote:
Just got my Experian FICO from Bank of America for applying for one of their cards. The thing is, I was under the impression that they only sent you your score if you were denied, but I was approved. Kind of like a double bonus! Turns our, my Experian is my best score (by a few points).

Congrats!!
Do you know your EX Plus score?

My Plus score was (I believe) in the 730's about two months ago and the FICO they gave me was 753. Nothing has really changed since that Plus score, I just cant remember exactly what it was.

Re: BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 20:39:09 GMT

@MakeItAMudLight wrote:
I got mine as well. The letter started out by saying I was approved though. I actually got my card today. I'm a little disappointed because it doesn't look as nice as on the website. Also there is no mention of the "Signature" benefits.

This isnt fair! Didnt we both get approved on the same day? I still havnt gotten mine! The card says signature on the front right? Do you mind my asking your credit limit and APR? I am kind of curious about the terms I will get.

Re: BOA Experian FICO

MakeItAMudLight — Mon, 18 Jul 2011 20:42:30 GMT

@Anonymous wrote:
@MakeItAMudLight wrote:
I got mine as well. The letter started out by saying I was approved though. I actually got my card today. I'm a little disappointed because it doesn't look as nice as on the website. Also there is no mention of the "Signature" benefits.
This isnt fair! Didnt we both get approved on the same day? I still havnt gotten mine! The card says signature on the front right? Do you mind my asking your credit limit and APR? I am kind of curious about the terms I will get.

Yes we did! It does say Signature but only below the Visa logo in small letters. Other than that it just looks like a regular Cash Rewards card. I got an initial CL of $5,000 and a 17.9% APR. I don't plan on carrying a balance on this card though so it doesn't bother me.

Re: BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 20:44:09 GMT

Hmm, on the website I thought that it said visa signature in that bar going across the front. False advertising.

Re: BOA Experian FICO

MakeItAMudLight — Mon, 18 Jul 2011 20:46:00 GMT

@Anonymous wrote:
Hmm, on the website I thought that it said visa signature in that bar going across the front. False advertising.

My thoughts exactly! I'd like to stand out just a little.

Re: BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 22:31:01 GMT

I just went and opened a couple bank accounts at a credit union and he told me they run experian for credit applications, he then told me that generally Eperians high scores are lower than TU/EQ high scores. But your saying your Experian was the highest huh? Right on, congradulations.

So your experian PLUS score was close to your FICO? Where did you get your Experian PLUS score from?

Re: BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 22:41:09 GMT

@Anonymous wrote:
I just went and opened a couple bank accounts at a credit union and he told me they run experian for credit applications, he then told me that generally Eperians high scores are lower than TU/EQ high scores. But your saying your Experian was the highest huh? Right on, congradulations.

So your experian PLUS score was close to your FICO? Where did you get your Experian PLUS score from?

I got the Plus score from Discover Scoretracker. My EQ is 739, TU is 746, and EX is 753.

Re: BOA Experian FICO

DI — Mon, 18 Jul 2011 23:36:57 GMT

Do you all think a FICO score will be given to those who are denied a CLI?

Re: BOA Experian FICO

Anonymous — Mon, 18 Jul 2011 23:46:47 GMT

I would imagine so. Only one way to find out though....

Re: BOA Experian FICO

mrldp40 — Wed, 20 Jul 2011 04:05:06 GMT

yes i was denied for a secured card score ex fico 507 ex plus 561 ymmv

Re: BOA Experian FICO

Anonymous — Wed, 20 Jul 2011 13:24:02 GMT

Same here, I was denied for a secured card as well. I just don't understand how a financial institution would decline someone for a secured card. You are borrowing against your own money; there is no risk.

Re: BOA Experian FICO

MakeItAMudLight — Wed, 20 Jul 2011 13:26:45 GMT

@Anonymous wrote:
@MakeItAMudLight wrote:
I got mine as well. The letter started out by saying I was approved though. I actually got my card today. I'm a little disappointed because it doesn't look as nice as on the website. Also there is no mention of the "Signature" benefits.
This isnt fair! Didnt we both get approved on the same day? I still havnt gotten mine! The card says signature on the front right? Do you mind my asking your credit limit and APR? I am kind of curious about the terms I will get.

Did you get your card yet? I was wondering if you'd share your terms for comparison.

Re: BOA Experian FICO

Anonymous — Wed, 20 Jul 2011 13:58:28 GMT

Not yet... Hopefully when I get home today. I'll post once I finally get it.

Re: BOA Experian FICO

MakeItAMudLight — Wed, 20 Jul 2011 14:03:34 GMT

@Anonymous wrote:
Not yet... Hopefully when I get home today. I'll post once I finally get it.

I guess that extra INQ expedited my card shipment!

Re: BOA Experian FICO

Anonymous — Wed, 20 Jul 2011 15:00:04 GMT

@Anonymous wrote:
Hmm, on the website I thought that it said visa signature in that bar going across the front. False advertising.

Mine is like that. I got it last September. Maybe they changed the design.

Re: BOA Experian FICO

Anonymous — Fri, 22 Jul 2011 19:41:36 GMT

Finally got it. 14.99 and 5000cl. And it says signature under the visa logo. The lady I talked to said it would switch to the new rewards structure on July 31st.

Re: BOA Experian FICO

MakeItAMudLight — Fri, 22 Jul 2011 20:06:16 GMT

@Anonymous wrote:
Finally got it. 14.99 and 5000cl. And it says signature under the visa logo. The lady I talked to said it would switch to the new rewards structure on July 31st.

Is that the 1,2,3 Reward Structure? And do we still get the 5% intro offer after it changes?