Care Credit Question

Tischer712 · ‎02-08-2012

I applied and got approved for a Care Credit card. I am confused though, I got an alert from Freecreditreport.com, and it shows the new unsecured card, BUT did not show up as an inquiry on my Equifax report. Any idea if care credit does soft pulls for general acceptance purposes?

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board

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Anonymous · ‎02-08-2012

My understanding is that it's a hard pull under GE Financial.

pizzadude · ‎02-08-2012

You might want to check your other reports, it is possible that they might have pulled EX. Or maybe even TU.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

learnin113 · ‎02-08-2012

No freebies from GE. That HP is coming.

namvet · ‎02-08-2012

@learnin113 wrote:
No freebies from GE. That HP is coming.

+1 It was EQ for me(Texas).

Tischer712 · ‎02-08-2012

Thanks guys. A guy can wish. I was just hit with a huge dental bill, that I CANNOT put off . I had to apply. I am hoping FHA understands it was a medical emergency and not a careless need for credit. I hope it does not derail my chances.

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board

Take the FICO Fitness Challenge

Tischer712 · ‎02-08-2012

Well it was confirmed, hard pull on Experian. BUT! score went up 8 points with the new tradeline!

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board

Take the FICO Fitness Challenge

LS2982 · ‎02-08-2012

@Tischer712 wrote:
I applied and got approved for a Care Credit card. I am confused though, I got an alert from Freecreditreport.com, and it shows the new unsecured card, BUT did not show up as an inquiry on my Equifax report. Any idea if care credit does soft pulls for general acceptance purposes?

They do HP on EQ.

EQ FICO 548 3/3/16

randaljon · ‎03-14-2012

I need some dental work soon, is this Care Credit worth applying for? Do they report to all 3 CRAs?

Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720

Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200

LS2982 · ‎03-14-2012

@Tischer712 wrote:
I applied and got approved for a Care Credit card. I am confused though, I got an alert from Freecreditreport.com, and it shows the new unsecured card, BUT did not show up as an inquiry on my Equifax report. Any idea if care credit does soft pulls for general acceptance purposes?

CareCredit primarily pulls EQ. Possible TU pull couldhave been done as well.

EQ FICO 548 3/3/16