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@Anonymous wrote:Is that 670 score your EX? If your score is over 700, you will probably get a 5 figure limit. 670 is probably worth $4500 or so.
If not I'd say this is a good card to gamble on because if you lose, just another inquiry to add to your collection, but if you are approved, the limit will be high enough to be worth it. Higher than many cards you could app for.
That was my ex score. but no. its not 670. Currently its at 703. actually none of those scores are accurate. it just takes the my fico 3b monitoring forever to update.
Scores are as follows as of today. EQ 711 Tu 720 And EX 703 i don't know why it takes so long. but i don't update pic until they update on my fico.
@taxi818 wrote:
@Anonymous wrote:Is that 670 score your EX? If your score is over 700, you will probably get a 5 figure limit. 670 is probably worth $4500 or so.
If not I'd say this is a good card to gamble on because if you lose, just another inquiry to add to your collection, but if you are approved, the limit will be high enough to be worth it. Higher than many cards you could app for.
That was my ex score. but no. its not 670. Currently its at 703. actually none of those scores are accurate. it just takes the my fico 3b monitoring forever to update.
Scores are as follows as of today. EQ 711 Tu 720 And EX 703 i don't know why it takes so long. but i don't update pic until they update on my fico.
3b monitoring as most know is far from perfect.. Takes an event to make the score update, note score not all scores.. Such as an inquiry, balance change, new account, etc.. You get the idea.. Even Iniquiries or new accounts it lags a few days as well to fire an update.. I have had lag in the 10-15 day time frames before when I know something major has happened. I just give up and pull a new report if needed and curious enough.. Really it is just a $25 monitoring tool to have scores within a window other then that use a different daily monitoring tool for cruical stuff like MPM or whatever anything is better really other than you get your Ficos from the 3b "monitoring". The term monitoring I use very very loosely
@CreditCuriousity wrote:
@taxi818 wrote:
@Anonymous wrote:Is that 670 score your EX? If your score is over 700, you will probably get a 5 figure limit. 670 is probably worth $4500 or so.
If not I'd say this is a good card to gamble on because if you lose, just another inquiry to add to your collection, but if you are approved, the limit will be high enough to be worth it. Higher than many cards you could app for.
That was my ex score. but no. its not 670. Currently its at 703. actually none of those scores are accurate. it just takes the my fico 3b monitoring forever to update.
Scores are as follows as of today. EQ 711 Tu 720 And EX 703 i don't know why it takes so long. but i don't update pic until they update on my fico.
3b monitoring as most know is far from perfect.. Takes an event to make the score update, note score not all scores.. Such as an inquiry, balance change, new account, etc.. You get the idea.. Even Iniquiries or new accounts it lags a few days as well to fire an update.. I have had lag in the 10-15 day time frames before when I know something major has happened. I just give up and pull a new report if needed and curious enough.. Really it is just a $25 monitoring tool to have scores within a window other then that use a different daily monitoring tool for cruical stuff like MPM or whatever anything is better really other than you get your Ficos from the 3b "monitoring". The term monitoring I use very very loosely
True. but im gonna exploit the loophole in the system. as we all know. they will only update your report once a year. and you must have the service 3 month minimum. Since ive had this 4 months. i just canceled the service. i will re order thursday. once my service is completely canceled. giving me a fresh new report on all 3 as well as fresh new scores. im paying for it so it may as well be fresh. i followed thru on my end and kept it 3 months. now. they can give me new info for the same 25 dollars. after that i dont care. i also noticed i did not get th extended fico scores on Tu. maybe with new version i will get. subscription expires at midnight tomorrow. i will renew thursday morning. All scores will be fresh. here is example of what i mean. from scores not being fresh copy of my tu from today.
I agree cancelling every 3 months is probaby the best bet or call and ask for free reports as they aren't updating correctly as I have heard stories they use to hand them out, not sure if they do anymore.... I think they know the system is far form perfect. Don't blame you for doing what you are going to do.. Don't think there is anything stating after 3 months you can't just cancel/renew for 3 new reports for another 3 months or whatever and get 3 fresh reports for cheaper then ordering 3 new reports.. If they can't fix it, do what you are doing.
With that score you should be good to go. Plus you have a Venture card in your siggy. If approved you're looking at 5 figures and an interest rate of 15% or less.