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Written by: louise on 2008-02-03

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louise's review: Callout Comment First Credit Card post-BK (discharged June 2006). CL 1300... FICO Scoreo 650!!! I am back and rebuilding my credit to the 700s!!!


Comment 1 by akcredit
Good Job User Icon on 2008-02-03

Remarks Good Job I am trying to rebulit my credit too. Kepp us updated on your card.
Comment 2 by arod
Good LUCK User Icon on 2008-02-03

Remarks Good step.

try to pay on time and it will pay off.

I heard wamu raise your credit line fast but I don't know much about this bank.

good luck to you.

Comment 3 by meya
Way To Go User Icon on 2008-02-03

Remarks A member here was telling me about this card (good news) he mentioned that you should use them for enrolling with your credit watch. If you are not monitoring your credit, they have a good program that will allow you to do so. I believe it is free if charge RIGHT PORGY!
Comment 4 by hjm331
Congrats! User Icon on 2008-02-03

Remarks Congrats, this a nice card to get approved for. Make sure you take care of it and they will take care of you.
Comment 5 by porgy1000
Wamu User Icon on 2008-02-03

Remarks Yes Meya, the only thing good about this card is the FREE FICO score from transunion once a month. If Chase takes over wamu in May which is a strong possibility, expect the subprime wamu accounts to be CLOSED though.

A 2006 BK isa subprime borower & chase will not keep an account like that open. Chase has stated on thetruthaboutcreditcards.com that they will close any account that they take over from any bank that is SUBPRIME so use the card while you still can.
Comment 6 by eric
Wow! User Icon on 2008-02-04

Remarks Yea Chase is pretty strict with their cards... It is a pretty good chance that Chase will buy WAMU. Keep up the pace with B of A on the west coast.
Comment 7 by louise
WAMU - APR User Icon on 2008-02-04

Remarks The APR that was given to me was 9.9%... Which I think is good... With all the banks merging... It's difficult to keep up with who owns what...
Comment 8 by louise
WAMU User Icon on 2008-02-04

Remarks If Chase takes over the account... They take over the account but it isn't going to deter me... Every case is different... And Porgy, you seem to be very knowledgeable about what's considered inevitable... Are u a soothsayer?... God, I wish I had spoken to u before the terrorist attacks as I was preparing to go to my stable job in NYC and my life as well as other New Yorkers were destroyed... But regardless, I will remain an optimist... Good Luck to anyone who's rebuilding their life which includes their finances... I applaud you all... It is the hardest job to do... Because we live in a negative society and a blemish is considered forever tattooed to your psyche and soul thus determining your existence on this crazy planet... So Porgy, don't rain on my parade... I've shed many, many tears in the past and live my life fearlessly... So if Chase takes over WAMU... And my credit relationship is cut... I'll survive... Porgy thanks for your input.
Comment 9 by janz1974
FICO Vs CR Scores User Icon on 2008-02-04

Remarks I have pasted the info below directly from FICO.com. The credit scores calculated from each of the three major credit bureaus should be accurate, at least according to FICO, since the bureaus use the Fair Isaacs method for computing the number.


Other Names for FICO Scores

FICO scores have different names at each of the credit reporting agencies. All of these scores, however, are developed using the same methods by Fair Isaac, and have been rigorously tested to ensure they provide the most accurate picture of credit risk possible using credit report data.

Credit Reporting Agency FICO Score

Equifax BEACON Score

Experian Experian/Fair Isaac Risk Model


More than one credit score

In general, when people talk about "your score", they're talking about your current FICO score. However, there is no one credit score used to make decisions about you. This is true because:

Credit bureau scores are not the only scores used.

Many lenders use their own credit scores, which often will include the FICO score as well as other information about you.

FICO scores are not the only credit bureau scores.

There are other credit bureau scores, although FICO scores are by far the most commonly used. Other credit bureau scores may evaluate your credit report differently than FICO scores, and in some cases a higher score may mean more risk, not less risk as with FICO scores.

Your credit score may be different at each of the main credit reporting agencies.

The FICO score from each credit reporting agency considers only the data in your credit report at that agency. If your current scores from the credit reporting agencies are different, it's probably because the information those agencies have on you differs.

Your FICO score changes over time.

As your data changes at the credit reporting agency, so will any new credit score based on your credit report. So your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today.
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