I'm trying to find out...

[Anonymous]

which credit card company or any kind of place who will give me a credit or a loan pulls from Experian?  Or,  are they all like Eq and TU?

Thanks in Advance.

Raf

[fused]

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TitanT7 wrote:

which credit card company or any kind of place who will give me a credit or a loan pulls from Experian?  Or,  are they all like Eq and TU?

Thanks in Advance.

Raf

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It depends on where you live and the credit card company.  Try this website, it allows you to search which CRA's are pulled in certain states by certain CCC's and a general idea of scores needed to be accepted.  Just keep in mind, it not just your scores the ccc's look at: they look at income (capacity to pay), your character (payment history) and other factors.

whogavemecredit.com

[Anonymous]

Thank You for quick respone.  Now i need to apply and hope I get approved. 

Thanks again,

Raf

[Tuscani]

What are your FICO scroes?

[Anonymous]

Well,  my equifax score is 578.  experian is 691 and tu i don't know.  I was on freecreditreport . com to find out my scores.  it shows the plus score.  my ex is 691 tu 691 eq 677.  when i saw this i went ahaed and called my refinance guy,  he check my credit and it showed 578 middle score or equifax.  i sure hes bank is using equifax.  afrer finding out my score on this site i think i don't have any chances for approval.

Thanks,

Raf

Any help on how to refinance with my credit i appreciate.

[Anonymous]

Ok - now we know you are trying refi

What is the current APR on the loan, how much equity,

You have pulled your reports- is there any low hanging fruit to fix?
Have identified what is keeping your score down?

[Tuscani]

You need to find out all three scores from myfico.com. Once you do that we can recommend a card.

[fused]

Tuscani:

What do you think about starting a new thread advising people who do not know their scores to always pull all three scores/reports from this site before applying for any credit, mortgage, etc.

Better yet always have it floating on the top of the forum as well.

[Tuscani]

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fused111 wrote:

Tuscani:

What do you think about starting a new thread advising people who do not know their scores to always pull all three scores/reports from this site before applying for any credit, mortgage, etc.

Better yet always have it floating on the top of the forum as well.

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I am sure Fair Isaac would appreciate that.

I think directing people to the Credit Scoring 101 thread would suffice.

[Anonymous]

i have a amex blue that is full like $9500,  i think that this **bleep** credit card is killing my score.  my loan now is scary.  i have 80/20 loan intrest only.  80% loan is at 9.5% and my 20% is 11.5,  yeah!!!   i want to get 30 year fixed.  as of now i'm not sure if i have any chances.  if you guys know which bank to go please tell me.  are there other options but wait for my score to raise,  please tell me.  if theres anything alse i can do PLEASE HELP!

Thanks,

Raf