New York Life Visa

[Closingracer99]

---

@Anonymous wrote:

I'll keep you guys posted, the lady I spoke to yesterday said they pulled just Equifax and today I called and double checked and a different lady said they pulled Experian so who knows. Experian makes the most sense seeing as how they offer the EX FICO Score.

---

Discover tells us the TU FICO score yet I think they pulled my EX and EQ for my Chrome app a few months ago. Also pulled TU for my Discover it card and CLI's 

[Anonymous]

Just received an alert that they pulled Experian, luckily i have no collections and my score is above 700.

[Anonymous]

Declined, too many inquiries, the lady was pretty nice about it and told me to try again in 2-3 months.

[Anonymous]

Sorry to hear about the decline. FNBO is great so consider them again. They like to give CLI's. I have two of their cards.

[Creditaddict]

unless you get pre-approved they seem to be about impossible to get approved with!

[Anonymous]

Bummer but oh well, maybe next year i'll try again.

[Anonymous]

If your just trying to get a regular Experian Fico, the Swagbucks card seems much easier to get. It's through the same bank. My score is like 684 with some inq's and I got approved for $1000. I don't even use Swagbucks, but I'll take my free Experian FICO.. Thank you! lol

[wacdenney]

---

@Anonymous wrote:

If your just trying to get a regular Experian Fico, the Swagbucks card seems much easier to get. It's through the same bank. My score is like 684 with some inq's and I got approved for $1000. I don't even use Swagbucks, but I'll take my free Experian FICO.. Thank you! lol

---

Can you provide more info?  How many inquiries did you have?  Was your approval instant?  How do you recieve the rewards?  Which CRA did they pull?

[wacdenney]

OK, I went for Swagbucks.  Got a 2 to 4 week message as expected.  We'll see what happens.  If they approve me it would round out all three FICO scores.  I have no idea what I would use it for, but an EX FICO would definately make it worth it to carry!

[Dw4250]

---

@Creditaddict wrote:

unless you get pre-approved they seem to be about impossible to get approved with!

---

Crap I just got a FNBO Amex pre-approval in the mail last week and tossed it in the garbage.  BTW it looks like unless you live in their footprint or get a pre-approval you cannot get any of their products.  

Oh well, I'm allegedly in the garden so it'll have to wait