zerwas Posted October 6, 2004 Report Share Posted October 6, 2004 I was thinking about applying for the household trio but have the following question. I currently have a Household Bank card (no lates, etc) and had applied for an Orchard Bank card. I was denied due to already having an household bank card. The representative at Household informed me that I could only have one or the other. Now this being said will I also get denied for any of the trio cards (GM, Corvette, Union Plus) since it looks like they are being serviced by Household bank? Link to comment Share on other sites More sharing options...
morrow Posted October 6, 2004 Report Share Posted October 6, 2004 Ive got 3 Household cards and my auto is financed with them, alot of others have multiple cards from them as well. Ive never heard of this. Link to comment Share on other sites More sharing options...
divinczech1 Posted October 7, 2004 Report Share Posted October 7, 2004 I got my wife approved for a HH-she has an EXP of about 625-when can she apply for the corvette, GM, or Union Plus cards? What score do they consider? Link to comment Share on other sites More sharing options...
morrow Posted October 7, 2004 Report Share Posted October 7, 2004 I got my wife approved for a HH-she has an EXP of about 625-when can she apply for the corvette, GM, or Union Plus cards? What score do they consider?Actually, its EQ, not EX that they mainly pull. (although they have been known to pull EX) When I personally was approved, it was with a high 500/low 600 range of score w/minor negs still showing. Cant hurt to apply....even if you get denied you can just call up EQ and dispute the inq. and they can/will delete it. Link to comment Share on other sites More sharing options...
divinczech1 Posted October 7, 2004 Report Share Posted October 7, 2004 The only reason I said EX is because that is who they checked for her hh card that she just got approved for-if the other cards check EQ then I better wait-I think she sits at about a 585? Link to comment Share on other sites More sharing options...
divinczech1 Posted October 7, 2004 Report Share Posted October 7, 2004 Morrow-In the last post, I forget to mention she has some 30 day lates over 6 months old and 1 medical collection-do you think this would hurt her chances of the approval? Link to comment Share on other sites More sharing options...
paw67 Posted October 7, 2004 Report Share Posted October 7, 2004 zerwas,I currently have 4 hh issued cc's. I have the regular HH card with blue bubbles, UP card, Corvette & GM cards. There are some here that have both the HH card & the Orchard card but it seems like lately if you have 1 you can't get the other.paw67 Link to comment Share on other sites More sharing options...
MarvBear Posted October 8, 2004 Report Share Posted October 8, 2004 I got from HH the following:GM Extended FamilyUP CardCorvette CardCompUSA CardSony Electronics Cardand can NOT get a durn Best Buy card to save my life!!!!!!!!!!I tried Best Buy BEFORE I got the CompUSA card and the SONY electronics card. Their decline reason for the BB card was that I had too many HH products. Not very logical if ya ask me.Great automotive finance source although sometimes rates can be high though. When I finally get my Best Buy card, will be Link to comment Share on other sites More sharing options...
Rezin Posted December 13, 2004 Report Share Posted December 13, 2004 Just an update. Just tried with a EQ fico of 624. 1 old a$$ collection due to fall off in a few months, and one that I have disouted and disputed. They said I never paid, I have the CC receipts to prove I did etc...)anyway, with that in mind, I applied for the HH GM card (Was gonna go for the trio)Unfortunately, we are unable to approve your application for the following reason(s): SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILEDLENGTH OF TIME SINCE ACCOUNT (S) NOT PAID LENGTH OF TIME SINCE ACCOUNTS OPENED Bummer....... Gonna request a reconsideration via PFB... See what happens.......... Link to comment Share on other sites More sharing options...
morrow Posted December 14, 2004 Report Share Posted December 14, 2004 Sorry to hear Rezin. I think asking for recon. is a great idea. When I initially applied for my Union Plus card, I got denied as well. Asked for recon. via PFB and guess what? They gave me one! Let us know how it goes! Link to comment Share on other sites More sharing options...
Jazz4Cash Posted February 5, 2005 Report Share Posted February 5, 2005 All this is new to me and I am struggling with the acronyms and abbreviations.....is there glossary someplace or could someon just explain whats a FAKO?I never had any credit problems (as far as I know!) and Im just tryin to learn more to protect myself.....the whole credit score thing looks more and more like a sham to me Link to comment Share on other sites More sharing options...
morrow Posted February 5, 2005 Report Share Posted February 5, 2005 All this is new to me and I am struggling with the acronyms and abbreviations.....is there glossary someplace or could someon just explain whats a FAKO?I never had any credit problems (as far as I know!) and Im just tryin to learn more to protect myself.....the whole credit score thing looks more and more like a sham to meThis should help you out. http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=3838 Link to comment Share on other sites More sharing options...
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