Score Driven CC's?

Discussion in 'Credit Talk' started by Butch, Oct 24, 2002.

  1. Hermit5

    Hermit5 Well-Known Member

    Great question Butch. I'll be doing the same in feb. or so.

    Whats your thinking on doing it on the same day? So the inquiries dont get in the way ect.?
     
  2. charlieslex

    charlieslex Well-Known Member

    Do a search on Christi. She did that in the spring. She applied for all the cards that she wanted for a particular CRA in a single day. Charlie
     
  3. jdog0411

    jdog0411 Well-Known Member

    How do you determine what cards pull from only one bureau and also are score driven??
     
  4. tracyb0313

    tracyb0313 Well-Known Member

    check millcbs.com
     
  5. jdog0411

    jdog0411 Well-Known Member

    millcbs.com isn't exactly cutting edge information, and most of the accounts pull different bureaus depending on who submits the information. That is too eradic to be useful.
     
  6. automatr

    automatr Active Member

    It appears BofA Platinum Visa is not exclusively score driven. I just applied online, they pulled TU, I had a FAKO of 816. (Now 813, lost 3 points for that inquiry). I got the "application pending, check back in 24 hours" notice, I'm sure approval was not instant because of 6 inquires and some minor old derogs. Most others with 750+ are getting approved instantly. I guess we're waiting for an actual person to look over the application.

    Also I applied for BofA Platinum Business Visa and they unexpectedly pulled Experian for an instant denial, the INQ appears as "EXP BUS INFO SOL". Dang, wasn't expecting that. EXP 660.
     
  7. tommyy

    tommyy Well-Known Member

    Candi, where is the FNANB instant approval application?
     
  8. LKH

    LKH Well-Known Member


    I just checked their site and couldn't find any online apps. Here is the info I did find.


    The ability to apply for a FNANB VISA credit card account online will be in place in the future. If you are interested in an application, please call 1-800-728-8472. Written correspondence requesting an application can be sent to the following address:
    FNANB
    Attn: Written Correspondence Department
    P.O. Box 42336
    Richmond, VA 23242
     
  9. Candi

    Candi Well-Known Member

    tommyy - sorry I thought it was instant decision on the web site but I guess not. I had just noticed the "apply now" button and thought it was instant but when you click on the button it just gives you the information that LKH has posted. You can go to a circuit city store and apply though, thats what I did.
     
  10. Nestea

    Nestea Well-Known Member

    Re: Re: Score Driven CC's?

    My EFX is 729, Was told "cannot approve without review by loan officer, who will contact you within one busniness day".

    Can they reject me solely because I live in NY and they are in GA?


     
  11. Nestea

    Nestea Well-Known Member

    Re: Re: Score Driven CC's?

    Stacy Ray is the person who manually approves accounts at Atlantic Coast Federal.
     
  12. Nestea

    Nestea Well-Known Member

    Re: Re: Score Driven CC's?

    Rejected Application, due to "excessive disputes".

    huh??
     
  13. rackt3

    rackt3 Well-Known Member

    I got a $7,500CL with Bank One.. score was 713 EQ
     
  14. Nestea

    Nestea Well-Known Member

    Re: Re: Score Driven CC's?

    how many inquiries did you have? which state?
     
  15. rocket1977

    rocket1977 Well-Known Member

    Re: Re: Score Driven CC's?

    You are braver than me. I want to make sure I can trust myself with 3 cards with about $5,000 before I go this route. I am not convinced I am responsible enough to manage $75,000 in credit.

     
  16. four20nik

    four20nik Well-Known Member

    Re: Re: Score Driven CC's?

    Y'all and your 700+ scores...blah blah blah.

    Of course, I'm just jealous!!!!!

    On my way...millimeter by millimeter...to 700

    Can't wait to run with the big dogs!
     
  17. flaman

    flaman Well-Known Member

    Re: Re: Score Driven CC's?

    Curious if the multiple applications in one day worked?
     
  18. Amy B

    Amy B Well-Known Member

    bump
     
  19. flaman

    flaman Well-Known Member

    Re: Re: Re: Score Driven CC's?

    Bump
     
  20. Amy B

    Amy B Well-Known Member

    Re: Re: Re: Score Driven CC's?

    I guess we are doing the "bump" and not getting any answers! :)
     

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