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I have to agree to woopah that it depends on where you live in the USA. For me, here in Texas, Discover and Juniper pulled TU. A good site to get an idea of who pulls TU in your state is http://www.whogavemecredit.com or you can go to http://www.financeglobe.com to get an idea of what score is needed for a particular card. A word of caution with the last website, they tend to overestimate scores required for a particular card. Good luck!
On a sidenote: I hope I didn't violate any board rules by posting web links. If so, please edit accordingily.
Those links are cool.
Romeoo47 wrote:On a sidenote: I hope I didn't violate any board rules by posting web links. If so, please edit accordingily.
Thanks guys for your help - I just applied for a Discover card and was approved with a 2500.00 limit!!
Woot Woot!
Now I have a prime card that hopefully I can better my score over the next year.
New question though, now that I have this, should I close my sub-prime card (Hooters) even though it is my second highest limit. I want to keep my Best Buy card and Target Visa card but they have limits of 650.00 or should I keep the Hooters card and keep enduring the monthly payments.
Congrats on the Discover approval. They're not so easy to get so you are doing something RIGHT . .
As for Hooters, I've had the card for about 1.5 yrs. and it causes me no problems, sitting quietly with others in my sock drawer. I only let it see sunshine long enough to buy like a newspaper or a smoothie about every 3 mos. But closing it may affect your score since the CL will no longer be reporting. Is there a balance on the card? Are you planning to BT with the new Discover? In any event, I vote for you to keep the card and the tradeline. Especially if there is no fee involved.
What say you credit gurus?
@Anonymous wrote:Thanks guys for your help - I just applied for a Discover card and was approved with a 2500.00 limit!!
Congrats! I'm just curious what state you live in for Discover to pull TU?
@clocktick wrote:
@Anonymous wrote:Thanks guys for your help - I just applied for a Discover card and was approved with a 2500.00 limit!!
Congrats! I'm just curious what state you live in for Discover to pull TU?
I'm in CA
@Romeoo47 wrote:I have to agree to woopah that it depends on where you live in the USA. For me, here in Texas, Discover and Juniper pulled TU. A good site to get an idea of who pulls TU in your state is http://www.whogavemecredit.com or you can go to http://www.financeglobe.com to get an idea of what score is needed for a particular card. A word of caution with the last website, they tend to overestimate scores required for a particular card. Good luck!
On a sidenote: I hope I didn't violate any board rules by posting web links. If so, please edit accordingily.
On the other hand, I also live in Texas, & Juniper did NOT pull TU for me, despite many people swearing that they ALWAYS do. Just FYI.
Edited to add: Now that I think about it, neither did Discover. Both of them pulled my EQ.