Further information is available in our FICO Data Privacy Policy. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. My three FICO's are: TU: 707 | EX: 682 | EQ: 660Ĭopyright ©2001- Fair Isaac Corporation. Oh well, I need to get back to full time gardening mode anyway. I'm not knocking all credit unions, I mean I've read some really good things about them, just Clearview Federal Credit Union seems to be a waste of time for me. I've been researching and rebuilding for 3 years and thought that credit unions were the way I should go. I called Clearview Federal Credit Union back and spoke with a rep that explained because they're a small bank they couldn't recon or try to approve my credit card app. So I called the backdoor number and spoke with a very polite person in the lending department that recon'd my app and I was approved for 4k. I applied for the Chase Freedom card online and was given a "account needs further review" response. I am certain that the EX file was the same, except for the Clearview hard pull showing when Chase did their inquiry. I was approved for the Chase Freedom rewards card on that is listed above 2 days after the Clearview hard pull appeared on my EX report. I've been sending GW letters to no avail. Macy's AMEX: $300 Limit | 0 Balance | 2 years no latesĪll collections are paid or settled and at least 3-6 years old. The reasons they gave me were: Previous collection accounts and Settled for less than owed on account.Ĭhase Slate: 16k Limit | 0 Balance | 5 years no latesĬhase Freedom: 4k Limit | 0 Balance | 4 years no latesĭiscover More: 8.5k Limit | 1,100 Balance | 3 years no latesĬapital One Business Spark: $750 Limit | 0 Balance | 1 year no lates While I was there I applied for their business Visa card for 5k and I was denied due to my personal credit files (PG required which is the norm). I just also opened a business checking and savings accounts with them. ![]() So I just applied for a Visa Credit card at Clearview Federal Credit Union where I have a personal checking and savings, a personal cd ($2,000) and a secured certificate loan ($2,000, 7 months old, and paid on time each month builder loan).
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