@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Oh, and the 715 I quoted earlier is his Experian. USAA offers free credit monitoring through them. It has everything on it that I know of, so I can't imagine his score would be worse elsewhere.
Just so you know, that isn't an actual Fico score. It's Vantage 3.0, and USAA does not use it for credit decisions.
Oh well. Worked well enough. I currently use CreditKarma for mine, which is possibly even less accurate.
I think it was 680 on the report we received, when we applied for the mortgage in December, which was pretty much in line with the score listed through this service at the time, and it's gradually increased since then.
I would be SHOCKED if they did not approve him for a decent/good SL (~$10,000) on any of their cards.
I was approved for a $1,500 Amex Classic a couple weeks after paying off an old and deliquent USAA MasterCard when I was cleaning up my old charge-offs and collections, so 4 or 5 were still not updated to paid.
That was June 18 of this year.
On November 3 of this year I was approved for the Cashback Rewards Plus Amex (5% on gas!) for $5,000. All I did on the Classic Amex was charge my USAA auto insurance to it, and then pay it off before statements cut with a transfer from my checking account four times.
Edit: I need to read ALL the posts before replying in the future... Or reply faster. I'm going to leave it as is above as a monument to my own inattention.
