First Equity

[Jesedmotherof5]

thanks Concord your the best at responding!

I just found out EX biz is going to dlete my one and only baddie as they have no data on who its from or what its for...Maye I'll wait till that goes through so my score can get out of the dumpster!

Message Edited by Jesedmotherof5 on 05-06-2008 01:04 PM

[Red1Blue]

They dont pull ex biz. They pull your personal EX. If the card is approved then they will report the tradeline to EX Biz instead of EX personal. I would say app for it, you might get it.

[Trishco]

Hmmm...strange.  They pulled my exp with a score of 679, but denied because my hubz's bk is showing on the biz report in error!!

Apparently they do pull the biz report cuz there is no mention of his name anywhere on my reports!  I just applied last week, and rec'd denial letter today.

[Jesedmotherof5]

Okay I apped this morning here's to hopping those old baddies dont ding me!

BTW way what CL did ya get.. it didnt even ask so I didnt get to try and match it.  I think they will check both ex becasue they offer service to pull BOTH EX credit reports for free!

Message Edited by Jesedmotherof5 on 05-07-2008 10:27 AM

[Red1Blue]

I really dont know. All I know is they pulled my personal ex. There is no way for me to tell if they pulled my ex biz or not. We can not tell on ex biz who pulled the CR like personal cr. They started me at $3k CL and in 3 months they gave auto CLI to $7k. They said after 6 months I'll get another CLI. I have been charging about $1700/month on the card and pif every month before the due date.

[Jesedmotherof5]

Thanks Concord. I think I asked you that like three times.. my mistake. I got a ex score bump so that should help a bit!

700s here I come!

[Logical]

Applied:     4/22/08

inq:            4/24/08

Rcd card:  5/01/08

CL:             $3k

---

concorduser wrote:

 They started me at $3k CL and in 3 months they gave auto CLI to $7k. They said after 6 months I'll get another CLI. I have been charging about $1700/month on the card and pif every month before the due date.

---

Any idea if your usage contributes to your cli? I won't run even close that much through, but would love the $7k. Above that doesn't matter, but $7k would be good breathing room.

[Red1Blue]

I am sure payment history makes lot of difference. Not only I charge, I do PIF every month as soon as the statement cuts. I am hoping in the next 3 months they would increase my CL to at least $10k or $15K.

---

Logical wrote:

Applied:     4/22/08

inq:            4/24/08

Rcd card:  5/01/08

CL:             $3k

---

concorduser wrote:

 They started me at $3k CL and in 3 months they gave auto CLI to $7k. They said after 6 months I'll get another CLI. I have been charging about $1700/month on the card and pif every month before the due date.

---

Any idea if your usage contributes to your cli? I won't run even close that much through, but would love the $7k. Above that doesn't matter, but $7k would be good breathing room.

---

[Anonymous]

If you don't mind, what was you fico score?

Thanks in advance.

[Logical]

---

mlb123 wrote:

If you don't mind, what was you fico score?

Thanks in advance.

---

Ex=652  (4/30/8)  [over 40 points lower than the other two - no apparent reason - sigh]