JamesKY

I failed as well :/

I was fortunate enough to get my CL tripled last week via the online form. I see a bunch of people getting rate jacked and CLD, could it have something to do with util? Mine is single digit with no negatives on the report. Who knows how or why??

I have a chase amazon card and can't find the CLI button on the website. Where do they hide the darn thing? Have had it over a year and still at the $500 opening limit :/

I just dialed it again and a CSR from Orchard answered the telephone.

Yes, I did.

Showed 695-741 for me. CK shows 741, unsure of Real score though..

Ok, I just called. I have a secured card with them, $200, and have had it 18 months. The CSR told me that I was not eligible for a CLI unless I sent it another deposit. I told her I was not interested and wanted to close the account. She then said that the secured accounts are reviewed after the 1.5 year mark and are either unsecured or left alone. I did not close the account because this is my oldest card. Is what she is saying true? Anything else I can do to get this unsecured and increased? Other than inquiries (A LOT) I have no credit problems on my report and low DTI.

Do you receive an inquiry for upgrading? I'd love to get the new plan but don't need it that bad for an INQ

Credit Application: Your Age? 33 Your Equifax Credit Score? 678 Your Experian Credit Score? 694 Your TransUnion Credit Score? 714 How many years have you been on file with Equifax? 2 How many years have you been on file with Experian? 2 How many years have you been on file with TransUnion? 2 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes (8 months old, 60 month terms, 52 to go) 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? Local Bank Your current open auto loan payment is? 246.00 Estimated amount you may be upside down in this vehicle? not upside down Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 5% 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) 4 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 (orchard) YOUR PERSONAL INFORMATION How long at your current residence? 2yr Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 1087 How long have you held your current job? 8.5 years Your total provable monthly gross income is? 6k Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) computerized paycheck stub Is there additional monthly income? What amount monthly? none Describe the source. Is the additional monthly income provable? none 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.) $5k Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. 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) 7 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. New 2009 Jetta, either purchase or lease

Please reread my bump before coming to false conclusions. I never said that. I asked for anyone else opinion or if they had a similar experience. While you very well may have a great idea, I'd like to hear from others if they have something to say.

Bump Any one else with any suggestions or similar experience?

Last weekend I applied for a Citi Sears card because I was going to take advantage of the 12 month 0% to buy a new freezer. I got the 7-10 message. Fast forward to today and I got the letter from them today. It stated I was denied because they could not verify my social security number. I checked and they did pull eq the day I applied (online). Obviously my social was right because they got my report. My name and address are the same on my cc report as on the app. Why was I denied then? I plan on going to the store tomorrow to find out more information. Any advise on how to approach this? I hate to have an INQ on EQ for nothing and the denial excuse is a joke. Thanks

Way to go!!!!!!!!!

This got me in the mood for KFC, I must go there for lunch now. But yea, publicity stunt if I ever saw one.

bump!