SDFCU - Credit Requirements and Info... CATCH?

[mousefai]

i noticed there was a security/fraud on my credit seasame  (experian).

I did applied a credit card from SDFCU on 21, they hard pull my report on 21. 

but why do i got a security/fraud alert on 22?

anybody had the same experiences about this?

thanks. 

[DaveSignal]

Most monitoring services alert a day or two behind the date something hits your credit report.... sometimes 3 days.

[mousefai]

great and bad news guys

my card was abeing approved.

but is only at a limit of 1000$.

they told me that they couldnt pull my credit score. however, when i log in to elminiate id theft. they are actually showing me a score.

i do have like a 780 on experian on eliminate id theft score.

any of u know the reason of this?

[DaveSignal]

Eliminate ID theft is a CMS for viewing your reports.  The scores there don't mean anything.

They show a score, but that kind of score is often referred to as FAKO, ie:  it is a made-up score that NO lenders use has absolutely no correlation to your EX FICO score, which is what SDFCU is trying to pull.

[09Lexie]

@mousefai

Isn't your Experian report showing a FA? IIRC, On an earlier thread you said you have to mail documents to EX and TU.

[mousefai]

@09lexie

they pull the report BEFORE the alert was take place. so i was still able to get a card from them...

actually right now im business travelling, so i wont be able to send them the mails until i m back usa. (beginning of sept)

[mousefai]

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@DaveSignal wrote:

Eliminate ID theft is a CMS for viewing your reports.  The scores there don't mean anything.

They show a score, but that kind of score is often referred to as FAKO, ie:  it is a made-up score that NO lenders use has absolutely no correlation to your EX FICO score, which is what SDFCU is trying to pull.

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Ic,

but can i still use that as reference or sth?

[mousefai]

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@DaveSignal wrote:

Eliminate ID theft is a CMS for viewing your reports.  The scores there don't mean anything.

They show a score, but that kind of score is often referred to as FAKO, ie:  it is a made-up score that NO lenders use has absolutely no correlation to your EX FICO score, which is what SDFCU is trying to pull.

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also, when i pull a experian report (1$ trial) and the plus score said 726.

does that plus score reliable?

[Anonymous]

Plus score also a fako

[mousefai]

hi guys

some little thing wanna update u guys

ok, i talked to the assistant manager, he said the reason i was being approve for 1000 is because there is no credit score on my experian report. however, he will pull my equifax report and see my score.

lucky, it show a score on my equifax report he said is 790. 

then he said he would have the underwriter to look at it and request a higher limit since it is a good score.

however, he said he can eliminate the experian inquiry by sending experian a mail.

im now waiting for the new credit limit.

however, do any of u know why there is no score on experian report?