GE Money Bank of Salt Lake City,Utah, What Credit Bureau they use for extending credit for Credit Care?

Question

Do anyone now what credit bureau GE Money Bank of Salt Lake City Utah use for extending credit for Credit Care. I want to get dental work done. My insurance cover some but not all. I know GE Money Bank of Salt Lake City Utah offer a credit card for health care. I ask my dentist they do not know nor would GE Money tell me. If anyone can help please let me know do they use Equifax, Experian or Trans Union. GE Money offer instant approval online or over the phone.

Answer 1

They use Equifax. Most of the time, but not always, it's an instant decision.

If your scores are bad, below 600, or if you have fairly recent baddies, you might go through the dental office when applying. Many times having the medical provider apply for you will get you approved.

If your scores are above 600 and if your baddies are old, if you have any, you might just apply online.

If you know how much the dentist is going to charge, for instance they claim it will cost $1000.00, you might ask for $2000 or so.

While they are fairly easy with approvals, they really stink at giving people increases.

If the dentist is going to be fairly high, you will probably be given a 0% promo for X number of months.

If you are given the promo, CareCredit may tell you your payments would be (for example) $10/month. If so, pay $30 or more a month. Be sure to have the promo paid off at least one month early.

Answer 2

Credit Bureau Utah

Answer 3

Get a copy of your report first..know what is there then why worry about which one? They are supposed to disclose terms etc..with you before you apply but it doesn't make sense why they wouldn't be up front about which one they use. Maybe you talked to the wrong person or maybe it is a shady deal. Be careful about charging medical bills on credit cards it will muss you up. I learned the hard way that no one cares if you owe medical bills but if you don't pay your card? you are screwed.