topic Re: Juniper Question ???? in Credit Cards

Juniper Question ????

Anonymous — Thu, 03 Jan 2008 18:51:03 GMT

Hi Frnds

Happy New Year to All & myFICO

Yesterday DW got a preapproval from JUNIPER with 5k CLI (mastercard).

scores from myFICO EQ is 662

scores from creditkeeper is : EX 659 EQ 654 TU 665

but TU's TC FICo : 629

Why TU FICO is different in the above cases ?which one is correct in this?

for these scores can we apply for Juniper master card with 5k CLI?

do they(juniper) pull from 3 CRA's?

DW has a total CL of 3k only so need to increase the limit...so suggest me

Message Edited by HI-ALL on 01-03-2008 01:51 PM

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:02:54 GMT

Back in June 06' when I bought my car my avg. score was 512. Since purchasing the car every CCC on the face of the earth has been sending me offers. Shortly after getting my car I applied and got a Juniper AirTran CC that gives me miles for dollars. Anyway it is has 5K CL but is a VISA. My scores weren't nearly as good as yours. Ever since my score has gone up more than 100 pts. on avg.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:13:08 GMT

Juniper usually pulls Transunion.

And if TC is Truecredit then it's not a FICO.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:21:09 GMT

hi durhc

thanks for ur info..

I am concerned abt the no.of pulls by juniper,if they pull from 1 CRA that will b fine.

can v choose the type of card from juniper pre approval cards like airtran,lukoil,us airways,bj's........

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:26:03 GMT

Hi EddieX

Thank you

Are TC & FICO scores different?

So scores which v get from CRAs(EX,EQ,TU) are not FICO scores?

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:27:48 GMT

I received an AirTran app. in the mail and since I often fly them for work it was a good fit for me. Maybe if you go on their website they will give you different options to choose from as far as the cards that they offer.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:29:56 GMT

Unless they offer scores that are stamped with the FICO seal then they are just FAKO's. I only pull my scores using myFICO since I learned there was a difference.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:43:25 GMT

Hi durhc

I received "platinum mastercard" with 8.99% APR offer from them.

It may not be a specific card like airtran....

thank you durhc

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:47:44 GMT

That's a great APR! They started me out a 11.99% and after 6 month ask for a lower APR. They said I didn't qualify yet but they did give me a CLI of $500. That reminds me to try and get it lowered again.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:52:32 GMT

did they pull from 3 CRA's for u ?

if they pull from 1 CRA, i will apply for this otherwise not.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:56:07 GMT

yes I would say its probably ok my scores were in the 600s when I got my preapproval offer and I got my card

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 19:58:17 GMT

I have only begun to seriously monitor/clean up my credit for the last 6 months. I received the Juniper card over a year ago and it doesn't show any hard pulls on any of my CR's to date. If they say these hard pulls are supposed to stay on your report for up to 2 years they didn't for me. I'm going to go re-check just to make sure though.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 20:08:02 GMT

Did they pull from 3 CRA's for u ?for the first time.

Re: Juniper Question ????

octavia — Thu, 03 Jan 2008 20:19:30 GMT

I was pre-qualified for the Juniper Platnum Mastercard last week. (8.9% APR/no annual fee)

I applied and was approved. They only pulled from TransUnion.

Message Edited by octavia on 01-03-2008 12:19 PM

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 20:28:42 GMT

thank u octavia

where r u from?

I am from NJ..

If thats the case i will go for this

Re: Juniper Question ????

haulingthescoreup — Thu, 03 Jan 2008 21:40:26 GMT

HI-ALL wrote:

Hi EddieX

Thank you

Are TC & FICO scores different?

So scores which v get from CRAs(EX,EQ,TU) are not FICO scores?

EQ will sell you your FICO, but it has to be from their site, not an EQ score on TrueCredit, for instance. TransUnion has a monitoring service on transunioncs-dot-dom (note the cs) with a FICO score --it's the same product as the FICO quarterly TU monitoring service.

But in general, all scores bought directly from EX or from TU, plus all scores from 3-in-1 report monitoring services, are FAKO's. The 3-in-1's like TrueCredit are good for keeping track of reports, but the other is just fluff.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 23:02:42 GMT

hi thehaulingscoreup

got it now ,but wht abt EX FICO score? where can v get it ?

only from myFICO?

Message Edited by HI-ALL on 01-03-2008 06:02 PM

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 22:45:56 GMT

The best way to remember is FICOs at myFICO

Re: Juniper Question ????

haulingthescoreup — Thu, 03 Jan 2008 23:22:37 GMT

@Anonymous wrote:

hi thehaulingscoreup

got it now ,but wht abt EX FICO score? where can v get it ?
only from myFICO?

Message Edited by HI-ALL on 01-03-2008 06:02 PM

Yep, 'fraid so. And really, the same is true for your TU score, unless you wanted to sign up for their version of the FICO quarterly monitoring.

Before you buy your FICO's, be sure to Google FICO coupons or FICO discount code. You can get 10% by calling myFICO customer service, and generally higher by Googling. We don't publish the codes here as a courtesy to our hosts, as the codes come from other vendors, but they're easy to find.

Re: Juniper Question ????

Anonymous — Thu, 03 Jan 2008 23:27:03 GMT

Googling? That sounds dirty...