EmJay

Great work!

This thread deserves a bump.

Heads up Bay Area folks. I recieved my new card in the mail today and was able to successfully register my siggy card on the concierge site. The new card is a darker green with matte type finish.

Barclays Apple Visa $2k Chase Freedom $1k NFCU nRewards $1k NFCU CashRewards $5k

Tried my luck today, after receiving the 7-10 day message a few weeks ago. Got an instant approval on my BBRZ from 100 to 400.

Thanks Marv!

Credit Application: Your Age? 29 Your Equifax Credit Score? 638 Your Experian Credit Score? 649 Your TransUnion Credit Score? 642 How many years have you been on file with Equifax? 6 How many years have you been on file with Experian? 6 How many years have you been on file with TransUnion? 6 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? NA Your current open auto loan payment is? NA Estimated amount you may be upside down in this vehicle? NA Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) NA YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 3 Total percentage utilized overall? 32% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 2.5 Years Do you Rent or have a Mortgage, or Live w/Relative or Other? Live with Relative Your Monthly Rent or Mortgage payment? 250 How long have you held your current job? 5.5 Years Your total provable monthly gross income is? 40,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Stub & Tax Return Is there additional monthly income? What amount monthly? 0 Describe the source. NA Is the additional monthly income provable? NA Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $4,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. First Premier Charged off 1/2006 on EX and TU Medical Collection on EQ from 2007 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) NA Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Please very briefly describe. Used 2006 Pontiac GTO 23K miles 1 owner Dealer asking $24K

I submitted an app online for the NFCU nRewards Visa on 10/7/11. I didn't get an instant approval but with my fico being 635, 2years AAOA, 8inq's on Equifax with a medical collection acct., util. at 85%, I wasn't really expecting a decision right away. Purpose of Loan: nRewards Visa Date: 10/10/2011 Subject: The status of your new nRewards Visa credit card (XXXXXXX) is Approved. -------------------------------------------------------------------------------- Message: Congratulations! Based on your creditworthiness, you have been approved for a nRewards Visa credit card. Your new credit line will be $1,000.00. Your APR will be prime plus 14.74%. You should receive your new card(s) in 7-10 normal mail delivery days. Your confirmation number is XXXXXXX. Creditpulls database updated.

Arrow was removed from my Experian report as well. However, Arrow is still reporting to Transunion.

Hard pull showed on Equifax 1.5 weeks later for me, after recieving the 7 to 10 day message online. Also, congrats to the OP!

Why Chat, Pre Hippa sent to Equifax and Equifax verfied the debt. We have researched the collection account. Account # 12345 The results are: Equifax verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact: Collcetion Agency Name and Address. Collection Agency Name; Collection Reported 10/2010; Assigned 01/2008; Creditor Class - Medical/Health Care; Client - Name of original health care provider; Amount - $$$; Status as of 10/2010 - Unpaid; DOFD - 02/2007; Last Payment Date - 04/2008; Individual Account; Account # 12345; ADDITIONAL INFORMATION - Collection Account; OK to send the HIPPA letter to original health care provider with insert a or should I DV the CA first?

Yes, I got really sick of them validating.