Separate names with a comma.
Discussion in 'Credit Talk' started by Dani, Feb 24, 2001.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
primor® Secured VisaClassic Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
RE: very good.
you would qualify for more credit cards.
That is a very good score. If you want to know more about credit scoring go to this link.....
Each credit reporting agency (CRA) uses it's own credit scoring model to predict risk and a score. Each is a model developed primarily on/by Fair, Issac's.
The three major CRA's break out as such:
Experian - FICO (new is NexGen)
Equifax - Beacon (Beacon/98)
Trans Union - Emperica
Each generates a risk 'score'. Lenders may use one, two or all three. Some will run several and take the lowest score to determine if you qualify and/or the interest rate. For mortgage loans, most every lender/broker will obtain all three scores (as part of an RMCR or Residential Mortgage Credit Report0, and use the middle score to determine if you qualify.
Each lender reports to one, two or all three bureaus (or none at all sometimes). It costs them money to 'subscribe' to use the services of a CRA. This is why one lender might report to only one, while others might use two or three. Most importantly, this is why you need to obtain credit reports from ALL THREE before you apply for credit or apply for a mortgage -- you never know which CRA will be pulled by a creditor, and you need to make sure all 3 are clean before you add an inquiry.
For those interested, I've put together a site (web app) that tracks creditors, which CRA they use, and which state the applicant lived in at the time of inquiry. You can add your own experiences/inquiries as well.
This way, you have a better idea of which CRA a creditor *might* use BEFORE you apply for credit.
It's located at http://www.millcbs.com. And it's free.
Millennium Credit Building Strategies
Thanks John for the information. Recently I pulled my husband's and my Equifax reports. I have not pulled our Transunion and Experian reports for a couple of years. Probably something I should do soon. I have checked out your site it's great.