Old thread but there may be good info you can use.

http://www.greekchat.com/gcforums/sh...ghlight=credit
Free credit reports starting 2004

The only scores that really matter are FICO scores. Those are what most lenders use for an objective measurement of your creditworthiness.

If your FICO score was really in the high 700s, you would be the perfect borrower. You would not be turned down for a line of credit. Furthermore, if you had high debt:account line ratios, you would likely not have a FICO score that high.

But a better question is, why are you opening a line of credit for overdraft protection? My credit union includes overdraft protection on all of its checking accounts. You should not have to open a line of credit (and therefore APPLY for credit, which could be on your credit report for up to 7 years) for overdraft protection on a checking account - many banks and credit unions will do this automatically. I'd look at changing banks if this is a concern for you.

Personally I fall on the "don't give me overdraft protection, just refuse my debit card" side of things. I'd rather be "embarrassed" than pay a fee for the use of the protection. As it is my credit union will move money from my savings account and I'm only sort of ok with that.

Mine does the same thing. But I can't remember the last time I overdrew my account.