Separate names with a comma.
Discussion in 'Credit Talk' started by Gliz10444, Mar 29, 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®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
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
If you apply for credit, it will bring down your score. Denied or otherwise, inquires are inquiries.
This is a safe way to think, but not necessarily a correct way. I get this directly from
the horse's mouth -- Fair Isaac:
"A common misperception is that every single inquiry will drop your score a
certain number of points. This is not true. The impact of inquiries on your
score will vary â?? depending on your overall credit profile. Inquiries will usually
have a larger impact on the score for consumers with limited credit history and
on consumers with previous late payments. The most prudent action to raise
your score over time is by applying for credit only when you need it."
Bottom line: People whose files already include negatives or other signs of trouble
get penalized for inquiries to a greater degree than people who have lengthy histories
and no negatives.
All they know is that someone (a company) checked your credit. They do not know why, or the outcome of the inquiry. It is best to keep inquiries to a minimum. I stick to one a month.