Confusing! What Visa should I apply for?!

[Anonymous]

I have a 3 yr old Bk and my current scores are

749

764

649 <-- I know

I am not sure which Visa to apply for with those scores.  Iwant to get the best interest rate for my scores.

Someone point me in the right direction please.  The sticky only schows scores up to mid 600's

Thanks!

[Anonymous]

I would find out which visa pulls from which report and apply for the one that will not look at that 649

[Anonymous]

Are those scores FICOs or FAKOs? IE Did you get them from MyFICO or are they from a credit monitoring service? Also can you repost which score is from which CRA?

Credit Unions are good for getting back on your feet...

[John060675]

whogavemecredit.com  and the CB forum's "credit issuer" section will have all your answers. 

[Anonymous]

All Scores through Myfico-

Experian is 749

TransUnion 764

Equifax is 649

Thanks all for the replies.  I dont really know whats up with Equifax!

Message Edited by rickia756 on 10-11-2007 10:19 AM

Message Edited by rickia756 on 10-11-2007 10:23 AM

[Anonymous]

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rickia756 wrote:

All Scores through Myfico-

Experian is 749

TransUnion 764

Equifax is 649

Thanks all for the replies.  I dont really know whats up with Equifax!

Message Edited by rickia756 on 10-11-2007 10:19 AM

Message Edited by rickia756 on 10-11-2007 10:23 AM

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I beat the idoits over at CSC  has your EQ credit file.

[Anonymous]

Finding an EX puller won't be hard and with that score I'd say you'd have a very good chance for approval. Why specifically a Visa?

BofA likes to pull EX. If you're interested in Credit Unions both CCCU and Patelco are EX pullers.

Juniper pulls TU but I'd avoid them like the plague.

[Anonymous]

With your hi scores for TU and EX try one of these cards

TU: Discover (the Discover More and Motiva are great cards)

EX: Amex (blue or blue cash), Citibank, Wells Fargo, BoA

I don't know who Chase pulls from.  I just got approved for a $7k rewards card and don't see a hard inquiry. 

Message Edited by Cooneyca on 10-11-2007 05:44 PM

[Anonymous]

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@Anonymous wrote:

With your hi scores for TU and EX try one of these cards

TU: Discover (the Discover More and Motiva are great cards)

EX: Amex (blue or blue cash), Citibank, Wells Fargo, BoA

I don't know who Chase pulls from. I just got approved for a $7k rewards card and don't see a hard inquiry.

Message Edited by Cooneyca on 10-11-2007 05:44 PM

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Discover being a TU puller is very YMMV! They pulled both EQ and EX for me. Chase pulled EQ for me.

[fused]

Try this BK friendly CCC thread.

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=207&page=1