I am pre-qualed in California for a cc and I'd like to know who they pull. Too bad mlls isn't up anymore. Thanks.
Wohoo! Just got approved for a new $3,000 BofA gold card. Not bad considering that my only other card is a CrapOne card with a $325 credit limit. Thanks CreditNet!
COngrats ryder!!! What is your tu score? Any baddies? Would love a b of a card so I can dump crap1. Also, was your app instant? Thanks for the info and once again CONGRATS!!!
I am curious as to what were your scores too. Any derogs? I know for a fact that BOFA pulls transunion in n. cali but as far as the rest of the country, not sure what they pull.
Thanks guys. I'm not sure who BofA pulled yet, but I'll let everyone know later. I live in Southern California. My EQ score is 699 and my EX score is about 770. It was EQ that worried me because I have 8 successive 90 day lates dating back to 1998. The account is paid/closed R1 now, so it affects my score by about 50 points, but it still worries me to think what a creditor might say when they see all of those deliquencies. Actually that 846 TU score is a FACO score. I pulled my real TU FICO score yesterday and it is a 752, but I'm sure not complaining. When I started about 8 months ago, my TU FACO was a 590 and went as low as 540 during the dispute and repair process. It wasn't until I got rid of my very last derog (a charge-off that was paid in exchange for deletion) that my FACO jumped about 125 points. Everytime time TU verified, the account got re-aged in their scoring system. My advice to everyone is to keep up the hard work. I have removed 22 out my 23 original derogs in eight months. It finally is paying off. :0)
CONGRATULATIONS...If you are signed up for privacyguard ($1 for 3 mos trial) you can see immediately who pulled what on all three reports.
Re: Re: Who does BofA pull? I'll give them a try. Will they also let me monitor EQ? I'd like to see if they mark my account as "in dispute" if and when they ever agree to investigate it again. EQ is the only CRA that I can't pull for free.
Re: Re: Who does BofA pull? Bank of America pulls TU in New York also. I had a 690, got a 7500 plat, then combined it with a 5k gold for 12.5k.
Re: Re: Who does BofA pull? Confirmed BofA pulls TU in SF Bay Area. Rawhide, do you a BK on your CR's?
Re: Re: Who does BofA pull? No, just a bunch of inquiries from before I found out about Cnet. I actually got the 5k from BoA with a chargeoff and collection (now both are gone) and got the plat after removal of the baddies.
