outofthewoods

I decided to pull the trigger and apply. After filling out the form I received a message to call in a speak to the csr's to verify information. I did that and a short time later, I was approved for my largest cl to date...7,500! In the past month or so... amex skymiles 4k discover more 3k citi dividend mc 7.5k and I owe it all to EVERYONE on this forum. In the beginning I had a hard time getting a secured card....Ive come a long way. THANK YOU CB!

Hi Ive been getting "you are pre approved" letters for the citi dividend platinum select card. Nice offers with it such as 100 cash back bonus, no AF, 0% 15 months. Is this an actual pre approval or just a mailing? Opinions? I personally think its a good shot at approval, but would like to hear other opinions. It does have the "opt out " language on it. I recently got similar letters for amex and discover and I was approved for both of those. Thanks

Thanks marv...I appreciate it.

Marv..thanks in advance. Plan on buying by next week. Credit Application: Your Age? 44 Your Equifax Credit Score? 709 Your Experian Credit Score?744 (fako) Your TransUnion Credit Score? 694 How many years have you been on file with Equifax? 25 How many years have you been on file with Experian? 25 How many years have you been on file with TransUnion? 25 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? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 10 Total percentage utilized overall? 12% How many of your revolving accounts are store cards? 5 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 YOUR PERSONAL INFORMATION How long at your current residence? 9 months Do you Rent or have a Mortgage, or Live w/Relative or Other? mortgage Your Monthly Rent or Mortgage payment? 400 How long have you held your current job? 21 years Your total provable monthly gross income is? 6100 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements)pay stub Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? 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.)2000-3000 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)10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)10 New or Used vehicle you are considering: Please very briefly describe. used 2008 xterra or wrangler unlimited. approx 22k

Discover More 3k Amex Delta Skymiles 4k

Hi all Back when I started my rebuilding journey my sister made me an AU on her amex. I have the typical rebuilder cards and recently got approved for my own amex and a discover more card. I plan on closing my credit one with 400 cl first, then orchard with the 300 cl in a few months. I'll keep my hooters since there is no AF and a 1100 cl. When is a good time to drop off as an AU?

I also responded to the mail offer and applied online. When I hit the submit button I immediately got the message that "we are down for routine maint". So I had no idea if my app went through. I checked app status on the main page and it said "not found". hmmm...I figured my app just got lost somewhere since there was no hit on my reports. Well this morning I get the alert of an inquiry and couple hours later a call from discover more. The very friendly csr explained that to prevent id theft they like to call the applicants to verify id. She did and then approved me for a decent cl and asked if that was enough.. Never been asked that before. 0 % for 12 months.

I'll call them tomorrow and let you know the outcome. thanks

I had my hooters card since 10/09 and starting balance was also 500. I also asked them about cli and got the same response. This became my "primary" card and I used it extensively. Always PIF until one month were I missed the statement date...then POOF a cli to 800. all was well and good...still PIF when last month a CLI of another 400 bringing me to 1200. So it does happen with them...dont know why how or when....LOL

Hi All I've been going to the Amex pre selector site since my credit improved, and up to tonight always got shot down. Tonight on a whim I entered my old address (moved in August)and it came back right away "selected" for green or zync. I clicked the apply button under green figuring I can correct the address later. Well it wouldn't let me so I backed away without applying. Whats your thoughts: go ahead and apply and correct address later down road? (its my sisters address)or keep trying with my new address? on a semi related subject: whats better...green or zync thanks

happens to me too

thanks marv.