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Hope this is ok with the Mods... I thought it'll be a good idea to start our own group. Everytime I try to look for this info, I see the same answer "whogavemecredit".com. But the thing is that is not always correct, or people post different information, or all scores, or not idea who pull it. I think this will be great overtime, if you stick to the info below.
Product:
Creditor:
Which CRA they pull:
Score at the time:
State of residence:
Decision:
CL:
APR:
APP Date:
Thoughts?:
Product: Hooters CC
Creditor: Merrick Bank
Which CRA they pull: TU
Score at the time: 660
State of residence: OR
Decision: Approve
CL: 2000
APR: 11.8%
APP Date: 3/27/09
Thoughts?: I have heard goods and bads about this CC, but i needed some revolvong credit asap to raise my score.... Haven;t got it n the mail yet tough,,
Creditor: Discover More
Which CRA they pull: Equifax
Score at the time: 737 Fako...guessing 700-720 Fico by other Fico scores
State of residence: Nevada
Decision: Instant online approval 0% BT for 1 year and % purchase for 6 mos.
CL: $5000
APR: 10.9
App Date: 3/09/2009
COMMENTS: EQ only CRA reporting 8 yr old BK; also only one
showing 6 1/2 yr old med. baddie, 1 inquiry at time of
app
Creditor: Citi Bank
Which CRA they pull: Experian
Score at the time: 740 Fico
State of residence: Nevada
Decision: Instant online approval (3rd inquiry on report)
CL: $4000 0% BT for 9 mos
APR: 9.9%
App Date: 3/22/2009
Creditor: US Bank
Which CRA they pull: Experian
Score at the time: 740 Fico
State of residence: Nevada
Decision: Received E-mail with approval 2 days later
CL: $8000 0% BT for 1 yr.
APR: 7.9%
App Date: 3/22/2009
Creditor: Home Depot
Which CRA they pull: Equifax
Score at the time: 655
State of residence: Georgia
Decision: Instant Approval
CL: $1,000
Product: Visa Classic
Creditor: First Tech Credit union
Which CRA they pull: EQ
Score at the time: 690
State of residence: OR
Decision: Approve
CL: 1000
APR: 6%
App Date: 03/30/09
NOTES: I love this CU.... 6%????? A few months ago no one would have let me borough not even a candy cuz such a horrible credit. Now, I'm getting approve at 6%.... whewwwww...........
Creditor: Macys/DSNB
Which CRA they pull: EX
Score at the time: 729 FAKO, don't know FICO score
State of residence: IL
Decision: Instant Store Approval
CL: $1200 (Store Card) and $4000 Visa
APP Date:March 18th, 2009
Thoughts?: Excellent customer service. If you apply in store you will always get high CL, online gives lower limit. If you don't want the Visa card dont forget to indicate that during the application process.
Creditor: SAMS/GEMB
Which CRA they pull: TU
Score at the time: 633 FICO
State of residence: IL
Decision: Instant Store Approval
CL: $1350
Thoughts?: High interest rate, but it's good for credit mix.
@Anonymous wrote:
If collecting this info, might be good to state who backs the card (ex: citi for sears, etc.)
I agree; also, it's probably a good idea to include dates so people know how current the information is.
Overall, good idea!