HOOTERS MASTERCARD

[Jay1]

Thanks yoyo, I have true credit should I get FICO instead?

[rsty99]

I have been using this card alot, Hooters and have 600 cli and no af, I have been paying it off. They take my auto payments very quickly online with no problems and points for food cant beat that. congrats.

[yoyo11]

Thanks yoyo, I have true credit should I get FICO instead?

I would buy the true Fico scores...at www.fico.com...the price is $15 a pop...so my might have to come up with $45 for all three. All credit companies uses the your true (FICO) score...trust me I've used all the free credit report/scores agencies out there. All of them were not close to my Fico scores. I think there was a 40 point difference at one time.

Good luck...

[Meya]

They have codes in here for discounts, i think hjm provided one

[Jay1]

Is the FICO score normally higher or lower?

[hjm331]

I believe it was CPPSAVINGS.

[yoyo11]

Is the FICO score normally higher or lower?

Credit keeper was the only fako's i found to be close to my true Fico scores,..Bank of America..etc..scores we about 50 point higher that my Fico's. I would buy the Fico first...then try the other (free trails ) to see which one is closer if you want to try out a monitoring service.

[Meya]

I am totally with YoYo on this one.

Thanks for providing the info hjm.

Also Jay1, like YoYo said, you can purchase a myfico score every now and then, but the closest one will be mycreditkeeper in my books (oops and YoYo's).

[postbkcy13]

update:

After letting my highest credit limit card go (canceled aspire) I got to reading the raves on Hooters and took a leap and applied........

Much to my surprise I was approved with a $1,100 CL which is above aspire. I was shocked!! My husband makes fun of me because its a "Hooters" card. I've become quite the breast of jokes. I'm just waiting for my welcome packet.

I read somewhere that the card comes with a Hooters magazine, please tell me this is not true.

[RivasGlo]

I read somewhere that the card comes with a Hooters magazine, please tell me this is not true.

The card DOES come w/ a HOOTERS MAGAZINE!!!! My hub makes fun of me each time it comes in. I skim thru it for like 2 seconds and into the trash it goes!

[ColoNative]

update:

After letting my highest credit limit card go (canceled aspire) I got to reading the raves on Hooters and took a leap and applied........

Much to my surprise I was approved with a $1,100 CL which is above aspire. I was shocked!! My husband makes fun of me because its a "Hooters" card. I've become quite the breast of jokes. I'm just waiting for my welcome packet.

I read somewhere that the card comes with a Hooters magazine, please tell me this is not true.

I love when women get this card, I would love to see them present the card as payment and see the looks on the clerks faces.

Just make sure you keep this card active, they have been closing inactive accounts lately.

[Meya]

The card DOES come w/ a HOOTERS MAGAZINE!!!! My hub makes fun of me each time it comes in. I skim thru it for like 2 seconds and into the trash it goes!

Mines do the same Rivas. He keeps them spreaded out neat on the bar in the garage. I don't see what they see in them.

[RivasGlo]

I love when women get this card, I would love to see them present the card as payment and see the looks on the clerks faces

I presented my Hooters card at the liquor store... The guy saw it and said "Niiiicccccceee!" I blushed, got my liquor and left!

[postbkcy13]

Well I got some semi-bad news, I checked my credit report today on truecredit and the Hooters card is on there already. The CSR told me that the limit was 1100 but on my credit report it posted 500. I dont even have my card yet and its on my report? oh well an approval is an approval.

So here's a question, I pulled my report off of truecredit today and scores were 617 tu, 600 eq, 642 ex(hooters posted) but i also tried the creditkeeper and my scores were alot higher...635 eq, 640 tu, 648 ex. so which one is real? or which scores do the creditors mostly use?

[hjm331]

The scores from myfico.com are the real scores since 90% of creditors in the country use the FICO scoring system. The scores you're lookin at are called "FAKO" scores because consumers consider them fake. It's not really a matter of being real or fake. Just like Fair Isaac, other sites like True Credit and Credit Keeper have their own scoring system but lenders trust the FICO scoring system the most so therefore, they're considered the real deal.