Hi all, Today the last 3 collections droped from my TU file. I pulled my report from myfico.com and to my surprize ?I see a whoping 739 score. I canmnot beleive it. Thanks to all that have helped me on this board! Now, I need a decent credit card, who pulls from TU, I checked the whopulled my credit file but I want to hear from you guys. Thanks
Applied for chase and they have to review and bofa apparently pulled from another report because i was denied due to derogatory info. I tried fleet also and I have to weit for review Oh well...
Re: Hollly Crap, 739 TU. I need a Any credit card copy can pull from any three bureaus if they choice. Some use a default CBR. Credit lenders use a credit scoring model and a CBR to approve or decline you. However, if your app gets qued to be seen by a human eye. They will pull a alternate CBR on you to compare them. Usually they only get qued to a human for recent address changes, application information is slightly off, social security number is incorrect, or if there is missing information. I was a Credit Underwriter for over 7 years for Three different lenders and they all used the same protocol.
