topic Re: Question? in Credit Cards

Question?

Anonymous — Fri, 07 Dec 2007 14:31:43 GMT

I recently got approved for 3000 cl with HSBC unionplus MC and they only pulled EQ. I only have 3 inquiries on that report. So, my question is does it only affect that report far as scoring goes? And also will I take a hit on the other reports once it shows up on them due to age of accounts?

Message Edited by credit4me on 12-07-2007 09:31 AM

Re: Question?

Anonymous — Fri, 07 Dec 2007 14:49:33 GMT

It will probably hit EXP as well. At least HSBC has for me. Don't know about TU.

Re: Question?

Anonymous — Fri, 07 Dec 2007 14:49:44 GMT

The inquiry will only affect the score on EQ (as it was the only one pulled)

As far as a hit for a new account- everyone is different
Last time new credit? Accounts opened in the last year?
Did it change you avg age?

Best thing is to use the score simulator and see what it says-

@Anonymous wrote:
I recently got approved for 3000 cl with HSBC unionplus MC and they only pulled EQ. I only have 3 inquiries on that report. So, my question is does it only affect that report far as scoring goes? And also will I take a hit on the other reports once it shows up on them due to age of accounts?

Message Edited by credit4me on 12-07-2007 09:31 AM

Re: Question?

Anonymous — Fri, 07 Dec 2007 14:59:18 GMT

I don't really remember if it changed anything but thanks I'll try the simulator.

Message Edited by credit4me on 12-07-2007 09:59 AM

Re: Question?

haulingthescoreup — Sat, 08 Dec 2007 14:16:00 GMT

credit4me signed: MyFico 6/26/2007- Tu-561 Eq-576 Ex-550 12/04/2007-Tu-667 Eq-674 Ex-673

Phenomenal work on your scores! Congrats on that, and on your $3K CL. I'm eligible for that card as well, and I was curious as to how high they would go on a CL.