topic Re: First Equity in Credit Cards

First Equity

Anonymous — Mon, 31 Dec 2007 14:00:39 GMT

does anyone have the phone # to first equity gotta find out the results?..

Re: First Equity

Red1Blue — Mon, 31 Dec 2007 14:24:06 GMT

1-866-756-7870

Re: First Equity

Anonymous — Mon, 31 Dec 2007 14:40:02 GMT

if you dont have an account # your out of luck..no csr

Re: First Equity

Anonymous — Mon, 31 Dec 2007 15:52:43 GMT

just called no news yet 1 week..

Re: First Equity

Red1Blue — Mon, 31 Dec 2007 16:21:51 GMT

Relax, you'll get it. Check your CR and see if there is an inquiry from them. Give them a call 3-5 days from the date of inquiry. If you have reasonable scores you'll get approved. I got approved when cap/advanta/chase/citi turned me down for business card.

Re: First Equity

Anonymous — Mon, 31 Dec 2007 17:39:03 GMT

They have the absolute worst customer service.

And everytime I get someone on the phone they say they don't have a record of my account. Yet they send a letter that says Duplicate application on file. How can I not have a file yet this is a duplicate application.

Maybe it's better that they rejected me.

What a bunch of........

And don't even bother asking to speak to anyone in underwriting...whoa...

Message Edited by EddieX on 12-31-2007 12:39 PM

Re: First Equity

Anonymous — Tue, 06 May 2008 14:25:25 GMT

Do they report on your personal credit file?

Re: First Equity

Red1Blue — Tue, 06 May 2008 14:50:22 GMT

No. Only Ex Biz CR.

mlb123 wrote:
Do they report on your personal credit file?

Re: First Equity

Jesedmotherof5 — Tue, 06 May 2008 17:39:49 GMT

Concord do you remember what your scores were when you app'd? I checked whogaveme credit.com and its so useless.

Good luck M!!!

Re: First Equity

Red1Blue — Tue, 06 May 2008 18:13:23 GMT

I think low 600's. Advanta, BOA, CapOne, Citi, Chase every one declined my app at that time. First Equity approved me. I dont think you'll have any problem getting. They are bit slow to process as they do manual processing. It might take 2-3 weeks for you to get response.

Jesedmotherof5 wrote:
Concord do you remember what your scores were when you app'd? I checked whogaveme credit.com and its so useless.

Good luck M!!!

Re: First Equity

Jesedmotherof5 — Tue, 06 May 2008 20:04:37 GMT

thanks Concord your the best at responding!

I just found out EX biz is going to dlete my one and only baddie as they have no data on who its from or what its for...Maye I'll wait till that goes through so my score can get out of the dumpster!

Message Edited by Jesedmotherof5 on 05-06-2008 01:04 PM

Re: First Equity

Red1Blue — Wed, 07 May 2008 00:42:08 GMT

They dont pull ex biz. They pull your personal EX. If the card is approved then they will report the tradeline to EX Biz instead of EX personal. I would say app for it, you might get it.

Re: First Equity

Trishco — Wed, 07 May 2008 06:00:22 GMT

Hmmm...strange. They pulled my exp with a score of 679, but denied because my hubz's bk is showing on the biz report in error!!

Apparently they do pull the biz report cuz there is no mention of his name anywhere on my reports! I just applied last week, and rec'd denial letter today.

Re: First Equity

Jesedmotherof5 — Wed, 07 May 2008 17:27:23 GMT

Okay I apped this morning here's to hopping those old baddies dont ding me!

BTW way what CL did ya get.. it didnt even ask so I didnt get to try and match it. I think they will check both ex becasue they offer service to pull BOTH EX credit reports for free!

Message Edited by Jesedmotherof5 on 05-07-2008 10:27 AM

Re: First Equity

Red1Blue — Wed, 07 May 2008 17:30:44 GMT

I really dont know. All I know is they pulled my personal ex. There is no way for me to tell if they pulled my ex biz or not. We can not tell on ex biz who pulled the CR like personal cr. They started me at $3k CL and in 3 months they gave auto CLI to $7k. They said after 6 months I'll get another CLI. I have been charging about $1700/month on the card and pif every month before the due date.

Re: First Equity

Jesedmotherof5 — Wed, 07 May 2008 18:21:23 GMT

Thanks Concord. I think I asked you that like three times.. my mistake. I got a ex score bump so that should help a bit!

700s here I come!

Re: First Equity

Logical — Wed, 07 May 2008 22:54:15 GMT

Applied: 4/22/08

inq: 4/24/08

Rcd card: 5/01/08

CL: $3k

concorduser wrote:
They started me at $3k CL and in 3 months they gave auto CLI to $7k. They said after 6 months I'll get another CLI. I have been charging about $1700/month on the card and pif every month before the due date.

Any idea if your usage contributes to your cli? I won't run even close that much through, but would love the $7k. Above that doesn't matter, but $7k would be good breathing room.

Re: First Equity

Red1Blue — Wed, 07 May 2008 23:04:48 GMT

I am sure payment history makes lot of difference. Not only I charge, I do PIF every month as soon as the statement cuts. I am hoping in the next 3 months they would increase my CL to at least $10k or $15K.

Logical wrote:
Applied:     4/22/08
inq:          4/24/08
Rcd card: 5/01/08
CL:             $3k
concorduser wrote:
They started me at $3k CL and in 3 months they gave auto CLI to $7k. They said after 6 months I'll get another CLI. I have been charging about $1700/month on the card and pif every month before the due date.
Any idea if your usage contributes to your cli? I won't run even close that much through, but would love the $7k. Above that doesn't matter, but $7k would be good breathing room.

Re: First Equity

Anonymous — Thu, 08 May 2008 00:28:20 GMT

If you don't mind, what was you fico score?

Thanks in advance.

Re: First Equity

Logical — Thu, 08 May 2008 01:45:49 GMT

mlb123 wrote:
If you don't mind, what was you fico score?

Thanks in advance.

Ex=652 (4/30/8) [over 40 points lower than the other two - no apparent reason - sigh]