EXPERIAN PULL

[Anonymous]

My EXP FICO score is 648. can someone please tell me who pulls exp? plus Who would approve me for that score?

Thanks

[Anonymous]

AMEX and CCCU and Patelco CU all pull EX. Do you have any baddies? Recent? AMEX may give you a Delta Gold with that score. The 2 CUs mentioned can be very nice, especially CCCU.

[Anonymous]

I have 2 paid collections from 2 years ago. one for 294 and one for 250 and 1 paid lien of just 250 and that was 2 years ago. Thats all. What card is the most easiest to get with that baddoes?

Thanks

[Anonymous]

As long as they are paid a CU would be your best bet. You may even be better off with a local CU to start.

What aren't you repairing before rebuilding? have you disputed these items?

[inquring_minds]

What is the web address for CCCU?  I googled it, several came up.

[Anonymous]

mycccu dot com

[inquring_minds]

thanks db23!

I have TU 610, EQ 655, EX 682 and (2) paid collections, car loan never late in 19 months.

You think I'll have any luck? I'm especially interested in AMEX delta skymiles, need a credit card.

[Anonymous]

I'd say they are fairly good that they'll give you something. They will pull EX which is your highest score according to your post. If those CAs weren't paid you'd get nothing so just make sure they absolutely report as paid on your EX file.

[inquring_minds]

Thanks db23, I will let you know the results.

You guys are great at Fico Forums!! - let's have a virtual tea party

[Anonymous]

It will take a few weeks, CCCU is FAR from an instant approval. The do manual reviews of EVERY application.