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Discussion in 'Credit Talk' started by Creditgeek, Sep 19, 2001.
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im having difficulties getting anything with a 662 creditexpert score. Try citi if they pull that report, but pretty much denials from everyone and their mother.
Sam i got the citi Aadvatage with a 673 and wife did to with a 633 so that should be cool
I got a Citi AA with a 620 (CE).
I have exactly the same score as you: 646. This was from CreditExpert a few days after I got my new $3000 AAdvantage card. I also got turned down for ANY GetSmart card about a week later, and that goes all the way to subprime.
GetSmart pulled Experian, but I'm not sure about AAdvantage.
I don't know that the CE score (supposedly Experian) really means all that much. When I applied for my mortgage recently, my CE score was 662, but the score reported to my lender was 724 (on the same day). So, your score may actually be higher than it looks.
The same is true with Trans Union's Idenitity Guard scores. Their credit analyzer says my score is around 550, but when my lender ran a report, my score was 750. Go figure.
You may be able to qualify for a lot more than you think.
The only true fico is equifax. But besides that, we are way better of now that just a year ago. At least we can get a score from the cra's now( accurate or not) . It helps to have the score in terms of credit building planning.