FREE FICO SCORE

[VK]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

[CIO]

Sears store card also offers a FICO score.

 

I think that got converted to a FAKO score a while ago.

 

Only the HSBC Sears card offered it, and you could only get it if you were rejected for the prime Chase Sears Card.

Oh, missed that completely.

 

I had to correct my entry. It's Citi I think; not Chase.

[VK]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

This is a serious game.

 

I agree ...but in my game, I only get the cards that help me...this is going to be a low-limit card that dilutes my AAofA...far from a perfect chess move.

[BobWang]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

This is a serious game.

 

I agree ...but in my game, I only get the cards that help me...this is going to be a low-limit card that dilutes my AAofA...far from a perfect chess move.

VK, you still have more to learn.

[foeplay]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

 

Far out, congrats! What does your inquiry look like?

thx!

 

Pulled EQ which looks like this:

 

-0 INQ thanks to being a B*imp Daddy

-6.4 AAOA

-12.5% util on 3 out of 12 cards (NFCU: 8.5k balance, HSBC: $48, Discover: $100)

-Last EQ score was 615 on 6/24 but i had a 14.1% Util showing so it should be a bit higher now.

 

I'm not sure if that's all they pulled since I backdoored to see that. I'll know for sure with my pull tomorrow. Also, my other GEMB card is 1.800, so they might have matched it.

[VK]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

This is a serious game.

 

I agree ...but in my game, I only get the cards that help me...this is going to be a low-limit card that dilutes my AAofA...far from a perfect chess move.

VK, you still have more to learn.

 

totally agree...I am at a master level, but never will be an international master (IM), or even FIDE master (FM)...forget about being a grandmaster

[beli]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

This is a serious game.

 

I agree ...but in my game, I only get the cards that help me...this is going to be a low-limit card that dilutes my AAofA...far from a perfect chess move.

VK, you still have more to learn.

Mine started out at 300 but now up to 900 with auto CLI pretty regularly.

[Repairerer]

Pulled EQ which looks like this:

 

Oh, sorry, I meant I'm not sure which card I have but I'm pretty sure it's the store card. My inquiry is from GEMB/Walmart so I was wondering if yours is like, Discover/Walmart.

[VK]

I just called and the automated system said I was approved for the store card, but how do I know limit?

Congrats on the approval foe!

Thanks Bob.

 

I just called back and got a CSR this time and I was approved for a Wal-Mart Discover card with $1,800 limit!

 

 

Far out, congrats! What does your inquiry look like?

thx!

 

Pulled EQ which looks like this:

 

-0 INQ thanks to being a B*imp Daddy

-6.4 AAOA

-12.5% util on 3 out of 12 cards (NFCU: 8.5k balance, HSBC: $48, Discover: $100)

-Last EQ score was 615 on 6/24 but i had a 14.1% Util showing so it should be a bit higher now.

 

I'm not sure if that's all they pulled since I backdoored to see that. I'll know for sure with my pull tomorrow. Also, my other GEMB card is 1.800, so they might have matched it.

 

foe, is that with clean reports? 615 only? or do you have some baddies?

[foeplay]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

My AAOA just went from 6.4 to 6.1 (6.2 in 10 days) and I can bump that 1 inquiry if I really care about it. Benefits: lowers my UTIL and I now will know every FICO score without feeding the monster. Sounds pretty painless and worth it to me.

[VK]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

This is a serious game.

 

I agree ...but in my game, I only get the cards that help me...this is going to be a low-limit card that dilutes my AAofA...far from a perfect chess move.

VK, you still have more to learn.

Mine started out at 300 but now up to 900 with auto CLI pretty regularly.

 

I guess it's a solid rebuilder card, just as other GEMB products...especially if you shop at Walmart...but after I have cleaned up my reports and discovered CB, I got my limits to 30k with navy and 20k with penfed...so far, I have successfully resisted an urge to add a single store card for over 1.5 years since I joined CB...I see one day opening some, but not there yet.

[foeplay]

Pulled EQ which looks like this:

 

Oh, sorry, I meant I'm not sure which card I have but I'm pretty sure it's the store card. My inquiry is from GEMB/Walmart so I was wondering if yours is like, Discover/Walmart.

Oh, I gotcha

 

Company Information:

GEMB/WALMART

 

 

 

Date of Inquiry:

07/19/11

 

Dispute Item

Hide Details

Creditor Contact Information

 

PO Box 981471

El Paso, TX 79998-1471

(877) 294-7880

[BobWang]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

My AAOA just went from 6.4 to 6.1 (6.2 in 10 days) and I can bump that 1 inquiry if I really care about it. Benefits: lowers my UTIL and I now will know every FICO score without feeding the monster. Sounds pretty painless and worth it to me.

I'll be going for the Discover too.

[VK]

nice feature by the issuer - usually, they have to pay $xxx to acquire a new customer...here, you include a FICO score, and boom - you have people lining up

 

I can't imagine FICO score costing them more than cents each month per customer.

[foeplay]

 

foe, is that with clean reports? 615 only? or do you have some baddies?

Three years ago I defaulted on my student loans and it created a mess with tons of lates. I rehabbed my loans, but unfortunately I am stuck with all the lates until they fall off. I think it's a total of 105. However, util is what's really killing my score right now, as I've had it at 660 before. I just rather borrow from NFCU at 0% to earn free money at LMCU than care about my FICO.

 

Also, I didn't care about my score since I'm in (was) KONA.

[BobWang]

foe, is that with clean reports? 615 only? or do you have some baddies?

Three years ago I defaulted on my student loans and it created a mess with tons of lates. I rehabbed my loans, but unfortunately I am stuck with all the lates until they fall off. I think it's a total of 105. However, util is what's really killing my score right now, as I've had it at 660 before. I just rather borrow from NFCU at 0% to earn free money at LMCU than care about my FICO.

 

Also, I didn't care about my score since I'm in (was) KONA.

Thatsa some funny KONA.

[VK]

 

foe, is that with clean reports? 615 only? or do you have some baddies?

Three years ago I defaulted on my student loans and it created a mess with tons of lates. I rehabbed my loans, but unfortunately I am stuck with all the lates until they fall off. I think it's a total of 105. However, util is what's really killing my score right now, as I've had it at 660 before. I just rather borrow from NFCU at 0% to earn free money at LMCU than care about my FICO.

 

Also, I didn't care about my score since I'm in (was) KONA.

 

forgot about your 105 student lates that can def. kill your scores...so, you pulled 8k on 10k line...I pulled 10k from 15k line, but recently got the CLI to 30k, and pulled another 5k only...so, 15k outstanding on 30k limit for me.

[foeplay]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

 

Yeah.

 

but it's an additional tradeline...lowers your AAofA, new inquiry....I mean, it definitely doesn't worth it for me....just curious how you justify that...

My AAOA just went from 6.4 to 6.1 (6.2 in 10 days) and I can bump that 1 inquiry if I really care about it. Benefits: lowers my UTIL and I now will know every FICO score without feeding the monster. Sounds pretty painless and worth it to me.

I'll be going for the Discover too.

Bob, there's only one app and I guess they consider you for the Discover first like you told me. Gluck

 

Also, so much for baby limits when you app online. I was expecting peanuts.

[foeplay]

foe, is that with clean reports? 615 only? or do you have some baddies?

Three years ago I defaulted on my student loans and it created a mess with tons of lates. I rehabbed my loans, but unfortunately I am stuck with all the lates until they fall off. I think it's a total of 105. However, util is what's really killing my score right now, as I've had it at 660 before. I just rather borrow from NFCU at 0% to earn free money at LMCU than care about my FICO.

 

Also, I didn't care about my score since I'm in (was) KONA.

 

forgot about your 105 student lates that can def. kill your scores...so, you pulled 8k on 10k line...I pulled 10k from 15k line, but recently got the CLI to 30k, and pulled another 5k only...so, 15k outstanding on 30k limit for me.

I pulled 9k out, but I've paid down 1k out of my salary in two months. I want to bring it down so in the end I'll be left with my LMCU cash in tact. I am seriously thinking of BTing it to PSECU and then back just to get two months of 0% back, but I'm afraid of unintended consequences.

[VK]

foe, is that with clean reports? 615 only? or do you have some baddies?

Three years ago I defaulted on my student loans and it created a mess with tons of lates. I rehabbed my loans, but unfortunately I am stuck with all the lates until they fall off. I think it's a total of 105. However, util is what's really killing my score right now, as I've had it at 660 before. I just rather borrow from NFCU at 0% to earn free money at LMCU than care about my FICO.

 

Also, I didn't care about my score since I'm in (was) KONA.

 

forgot about your 105 student lates that can def. kill your scores...so, you pulled 8k on 10k line...I pulled 10k from 15k line, but recently got the CLI to 30k, and pulled another 5k only...so, 15k outstanding on 30k limit for me.

I pulled 9k out, but I've paid down 1k out of my salary in two months. I want to bring it down so in the end I'll be left with my LMCU cash in tact. I am seriously thinking of BTing it to PSECU and then back just to get two months of 0% back, but I'm afraid of unintended consequences.

 

nah, I wouldn't do it...to little to gain - 8k @ 4% for 2 more months - ~$53 in taxable income.

[beli]

repairer, foe, are you guys really getting this for the FICO score?

 

seriously?!

This is a serious game.

 

I agree ...but in my game, I only get the cards that help me...this is going to be a low-limit card that dilutes my AAofA...far from a perfect chess move.

VK, you still have more to learn.

Mine started out at 300 but now up to 900 with auto CLI pretty regularly.

 

I guess it's a solid rebuilder card, just as other GEMB products...especially if you shop at Walmart...but after I have cleaned up my reports and discovered CB, I got my limits to 30k with navy and 20k with penfed...so far, I have successfully resisted an urge to add a single store card for over 1.5 years since I joined CB...I see one day opening some, but not there yet.

Ahhh only Cu's I've been able to get into is Alliant and Usaa..and last time I tried getting into USAA as far as their CC they still hate me... Alliant gave me a 1k credit card.. forgot what's it's up to now... we still haven't gotten bf off as an AU tho... since I'm still a temp was hoping to have something perm by now.. So we don't want to rock that boat.. Even tho what I make as a temp qualifies me for the limit.

[jph5125]

Out of curiosity how does a walmart card appear on reports? Walmart/GEMB or just GEMB?

[beli]

Out of curiosity how does a walmart card appear on reports? Walmart/GEMB or just GEMB?

Gemb/Walmart...

[BW1216]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

[foeplay]

7-10 days... Grrr...

 

My TU is by far the cleanest report and SmartCredit just sent me a notice saying a new app had been taken, so they must have pulled TU.

Just call the number on the previous page and you'll find out what you were approved for BW.