No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Oh! Utilities are an extension of credit but how can opening a savings account or a checking account without applying for overdraft protection be construed as applying for new credit. Afterall, when I open these accounts they are borrowing my money, where is the PP for a bank to hard me? It's ridiculous! Geez why can't I pull the bank's credit and judge for myself if they are creditworthy and won't close their doors one day and run away with my money! Ya know default!
MidnightVoice wrote:
The CRA thinks an inq is an inq. Adding a cell phone line, switching to cable TV, opening a new bank account, getting utilities hooked up, are all "seeking for credit" to a CRA and FICO
casinoannie97 wrote:
i couldn't believe my bank gave me a hard since i already had an account and had to change state because of their errors. i think the cra thinks it was a loan of some kind. does anyone know?
I agree. But unfortunately the law is the law. Damned PP
fused111 wrote:Oh! Utilities are an extension of credit but how can opening a savings account or a checking account without applying for overdraft protection be construed as applying for new credit. Afterall, when I open these accounts they are borrowing my money, where is the PP for a bank to hard me? It's ridiculous! Geez why can't I pull the bank's credit and judge for myself if they are creditworthy and won't close their doors one day and run away with my money! Ya know default!
casinoannie97 wrote:I have cingular (now AT&T).
I'm not so certain this is the law perhaps we're assuming it is when it really isn't. If had the time I would investigate this.
MidnightVoice wrote:
I agree. But unfortunately the law is the law. Damned PP
fused111 wrote:
Oh! Utilities are an extension of credit but how can opening a savings account or a checking account without applying for overdraft protection be construed as applying for new credit. Afterall, when I open these accounts they are borrowing my money, where is the PP for a bank to hard me? It's ridiculous! Geez why can't I pull the bank's credit and judge for myself if they are creditworthy and won't close their doors one day and run away with my money! Ya know default!