For the wife and myself I applied for a few on-line gas cards today and yesterday. Wife's scores are all in the very low 600's, mine may be 620's or 630's. Are credit files are very DISSIMILAR! WE both only received one approval from only one company! EXXON approved instantly! (I am wondering if being in Seattle area has any influence considering the big mess they had with oil spill in Alaska, I would believe their guidelines may be somewhat tweaked in this region????, but maybe not? Chevron and Shell said no!?)
Thought I'd give it a try since I live in WA too. I got it immediate approval. Don't know the line though. I'm assuming they pulled equifax since Monogram bank usually does but I won't know for sure until tomorrow. My FICO is reading 656 right now with BK in dispute. It didn't change my score much to put the BK in dispute though. KIm
I haven't figured who they pulled yet? But appears to be Equifax.......Wife's faco Equifax was about 620 ish. Mine maybe 635 ish. Anyway, appears to be a trend as we were turned down by all others. And with those scores who wouldn't turn us down?
looks like her score was about 613! WOW????? 4 charge offs with one sears with existing balance in dispute. her score before this one dispute was 584!! I am thinking Exxon is hungry in Washington State? Mine maybe 625?? . I also added the data in the who pulled my credit group on yahoo.
I got approved by Exxon-Mobil/ MCCBG about 3 months ago. They pulled EQ. I have a chapter 7 BK discharged 10/98 and 3 derogs (2 charge-offs '97 and 1 "included in bk" TL). My FICO was about 710, and I had 3-4 inquiries. I live in CA. I received a limit of $250. They reported the TL in 2 weeks (no kidding!). Off to a good start! They report credit limits. (BTW I was also approved by JC Penney/ MCCBG- same bank- about a month later with same good service. They pulled EQ again). Shell/Citi, however, flatly rejected my application due to BK. They pulled EX, which was my better report at the time. I hate Citi... I was hoping they wouldn't be so strict, as this wasn't for the VISA co-branded card but the lousy gas card! Butt-heads! On the other hand, I did include a Citicard acct in my bk... hehehe! Can you say "blacklisted," boys and girls? MisterX
Just got home from vacation, Equifax validated one disputed account, EXXON is all ready reporting A $200 credit line! and the wife's EQUfart score is now 559 with 4 inquires! Maybe if she starts paying her bills on time her score may drop to the low 500's! LOL Dog
