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The last post in this topic was posted 6912 days ago. 

 

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Guest texasbred71
Posted

I want one, whos gonna take the plunge and tell us who they pull and scores and all that good stuff?

Posted (edited)

Is 5 inquiries on Experian considered a lot (none this year)? From what I've read, this bank doesn't like a lot of inqs. My experian score is in the low 600's. My worst one :)

Edited by kannon
Posted
I applied.

 

I'll let you know what pull it is. I doubt I'll be approved, as I am precisely 608 Experian, but I will definitely let you know what was pulled.

 

No instant decision on this?

Guest xtravgnt
Posted
:o Applied, but they say it's 2-4 weeks for a decision :beee:
Posted (edited)

The last FNBO card I applied for, was bumpable... I applied for the Leading Edge Visa last summer, and it wasn't an EX pull... it's long gone, so I don't know whether it was EQ or TU. I may pull the trigger on this... only catch is, they don't give instant approvals. It took almost a month to find out they told me to take a hike.

 

This is obviously targeted at a different target demographic than the Leading Edge Visa is, and my profile and scores are way, way better than last year so I'm pretty sure I'll get an approval unless they think I have sufficient credit vs. income.

 

ETA: I just applied. Wish me luck! I'll post again and update the database when I hear back. I'll also post once I see an INQ. I've only got 1 on EX, 2 on EQ and TU is clean. Hopefully they pull TU, because it bumps quickly!

Edited by Llwellyn
Posted

Reminds me of that South Park episode where they bust on WOW. Uber cool card for artards. "Mom, bathroom...BATHROOM!"

 

Glad I dvr'ed it. Classic episode.

 

j

Posted

I'm addicted to WoW. My EQ is my highest score, but I have a CO thats just stuck on there. Oh well, here's hoping

 

Nice 12 month BT offer comes with...

 

And a free month of play, not counting the points... although the points are almost silly. $1500 to earn a month of play... that's basically 1% cashback that can only be used for WoW... I just had to have the card regardless. If it's actually useful, well, then that's a bonus :good: The Alliance Dwarf is the spitting image of my hunter.

 

The APR may not turn out to be too bad either, although I've got a Penfed Gold if I have to carry a balance...

  • 2 weeks later...
Posted

Got a denial letter today, dated 05/08/07.

 

Your request did not meet our credit standards due to the following:

 

EXCESSIVE CREDIT REPORTING AGENCY INQUIRIES

 

ICS - Consumer Inquiries

Advanced Resolution Services

6111 Oak Tree Blvd, Suite 400

Independence, Ohio 44131

(800)392-8911

Fax (216)615-7642

 

Most interesting, because they also pulled Equifax. My EQ is clean, and only had 2 inquiries on it, plus 1 that had bumped off. My TU is clean, but has about 5 bumped inquiries over the past year. EX has only one, AMEX.

 

I guess this is going to be the new trend... doesn't matter who they pull or what your report says, some other company is going to sell them everything that anyone has ever said about you in your files or public records...

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