These cc companies are going pull happy. MBNA did a combo pull of TU/EXP. Capital one did a pull of all 3 CRAs. This is really racking up the old hards. Funny story with capital one though. They approved me for a whopping 300 card with a $59 annual fee with my below scores which I thought was ludicrous. When I called the lady said I had too recent of a deliquency. I asked what she was talking about and she could not tell me so I played the guessing game. Turns out my paid charge off citibank from 1997 counts as a RECENT deliquency. I asked if she was serious and she said they count it as a major and 5 years is recent.
Ouch that sucks! 5 years is recent? Geez, picantel, I can't wait until 2004 when ALL my baddies come off. I'm going to have a flawless report. This credit jail sentence has just been too much!
only $300 with those scores? I recently got one - from a preapproved offer and they gave me $500. A collection acct added in april, updated in aug, plus 4 charge offs from 2000. My equifax score was about ~560, not sure on the other scores. TU is ~635 now, i think it was about 600 when they pulled a hard on it.
