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westcoast909

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Everything posted by westcoast909

  1. This was kinda wierd.... Joined Navy Fed over the phone....immediately applied for Cash Rewards...approved for $1k Immediately applied for CLOC...was scared to ask for the $15k....APPROVED for $10k!!! 740 score with thin file... Only accounts reporting were: Car loan: 7 months old Discover iT: $2600...2 months old Closed Kay Jewelers: $0 balance... 2 year history I'll get the cash rewards card to hopefully grow, but I was very surprised with the cloc aporov approval amount. After that I applied for Chase Freedom and was approved for...........$1k again 😐 Any ideas next???
  2. Ok thanks....yeah I was thinking maybe a year for chase...Discover tends to like thin files initially. Got the scores from CCT. Will see if I can work a cli on discover a few months from now also.
  3. So if I were to draw up an application play...try navy fed, amex, then maybe 1 of either chase freedom, citi, or barclay? You think my odds will be good? Which AMEX?...I know they have several Thanks
  4. I think navy fed is not too bad....my mom got immediate $25k approval last year with 720 TU score...she had maybe 3 credit cards with highest limit being $1200. I'll look into the other suggestions also....thanks
  5. Hi...does anyone know another prime cards to get with a thin file and young history? 743 EX 738 EQ 746 TU 1 auto loan...8 months old 1 installment loan....$1k....2 months old 1 credit card...Discover...$2,700....2 months old 2 inquiries Was thinking maybe another card or 2, then garden for a year. *can also join navy fed and was thinking of their card and products. Thanks in advance
  6. I've been building my business credit since last November....corp is 4 years old. I've got 10 trades reporting...good amount of net 30's and I've scored on some decent revolves. This is what I look so far: Gemplers Quill Supplyworks Strategic Network Lowes: $6,600 Home Depot: $2,500 Amazon net 55: $5,000 Amazon Rev: $5,500 Fuelman Fleet: $2,500 weekly Wex: $7,000 Office Depot: $2,000 Sprint Business Cell DnB: 9 reporting Business Experian: 10 reporting 80 score I have website and 411 listed My question is....can I move to getting bank cards yet without PG??? My personal score is only 630 across the board basically... no derogs just maxed out cards at $25k, which is killing my scores. Let me know your thoughts on this. Thanks in advance....
  7. Just curious....was that capital one you mentioned pg'd?
  8. I put in an application for Dell credit and was declined....they want PG. Is there a reconsideration # I can call??? 80 paydex 88 Experian score 4 year old Corp Only 7 trades reporting..waiting for others to hit reports Quill Supplyworks Uline Gemplers Grainger Strategic Network: $1,000 Sprint business cell Lowes net: $5,500 Home Depot net: $2,500 Office Depot: $2,500 Amazon store: $5,000 Amazon Rev: $5,500 Wex Fuel: $7,000 Wells Fargo Business Secured: $1,000 I applied for Best Buy and Sears over the weekend, so I'll see what happens. Thanks
  9. I pretty much googled supplyworks and called them to set up net account. I had to pg Fuelman...the rep did a lot of digging on that one...wanted to see bank statements. Pulled Experian on mine. Wells Fargo secured also ran my credit...I only have 1 or 2 inquiries on my reports within the last 2 years so I didnt mine. All the other accounts were done online without PG
  10. I was approved for the fuelman fleet card about 4 months ago for $2500 weekly. Maybe give them a try
  11. I forgot sprint also...they approved me for a few business cell phones a month ago
  12. Copr 4 years old and I started building 4 months ago: Website established 411 listed Annual Experian report purchsed Dnb file established Quill Supplyworks Grainger Uline Gemplers Fuelman fleet: $2,500 weekly Lowes: $5,000 Home Depot: $2,5000 Wells Fargo secured: $1,000 Office Depot: $2,500 Strategic Network: $1,000 Today: Amazon net55: $5,000 Amazon revolving: $5,500 Wex fuel: $7,000 Any ideas on other possibilities...or should I wait for the newer trades to hit reports? Only 7 accounts showing on duns and experian so far. Thanks
  13. Had only 3 accounts reporting on dnb a month or so ago....amazon net 55 denied me. I actually established more accounts, and last week on my dnb and business experian, it showed 7 accounts. I applied for for net55...followed up a day later...Approved for $5,000. I waited a day and thought about applying for amazon revolving with no pg. I applied...called back a day later with confirmation #...they said I wasn't approved. Talked to a manager also who said I wasn't approved and to wait on the letter. I wasn't gonna give up so today I called back hoping to plead my case, gave the new rep my application #....she placed me on hold for 3 min....then an 877# flashed on the caller screen. My eyes got wide and new it was them verifying company info...which is a good thing. 😱 I immediately answered the call, played the part and verified company info. Call ended, I clicked back over, then BOOM!!! "You've been approved for the Amazon Business Revolving card with a $5,500 starting limit. 😀 Wex fuel fleet card just gave me $7,000 today also. I'm a happy camper...my first business revolver.
  14. Had only 3 accounts reporting on dnb a month or so ago....amazon net 55 denied me. I actually established more accounts, and last week on my dnb and business experian, it showed 7 accounts. I applied for for net55...followed up a day later...Approved for $5,000. I waited a day and thought about applying for amazon revolving with no pg card. Business in 4 years old. I applied...called back a day later with confirmation #...they said I wasn't approved. Talked to a manager also who said I wasn't approved and to wait on the letter. I wasn't gonna give up so today I called back hoping to plead my case, gave the new rep my application #....she placed me on hold for 3 min....then an 877# flashed on the caller screen. My eyes got wide and new it was them verifying company info...which is a good thing. 😱 I immediately answered the call, played the part and verified company info. Call ended, I clicked back over, then BOOM!!! "You've been approved for the Amazon Business Revolving card with a $5,500 starting limit. 😀 Wex fuel fleet card just gave me $7,000 today also. I'm a happy camper...my first business revolver.
  15. Why is a simple question I posted placing me in the moderate que?
  16. Hi...I've been reading posts for a few years now on here, and it's alot of good information here. What should I do next??? 3 year old corp Got duns 3 months ago Have experian file Have website..411 listed,etc Business bank account As of yesterday, I had: Quill..opened 2 months Grainger..opened 2 months Supplyworks...opened 2 months Fuelman Fleet:$2,500 weekly...opened 1 month ago ***Today I got anxious and was approved on the following net 30's: Office Depot: $500 Home Depot: $2,500 Lowes: $5,000 Any other advice on opportunities moving forward? Should I just hang tight for a month or so until i get a few payments in on the new approvals? I want to build my file as strong as possible and get business loans or bank cards to help grow my business. On the personal credit side...Im in the 650's...40% credit utilization which is killing me. I owe $17k on $45k total limit credit cards.I have to pay those down. Good thing is..I think I pnly have 1 inquiry showing on my personal reports from each bureau. Got alot of them off. Anyhow...let me know of any other suggestions on building business file. Thanks everyone
  17. Does anyone have a good contact over at Wells Fargo Executive office for their dealer service. There trying to report a 30 day late on my credit and I'm about to lose my mind. I made a payment last month like I normally do, they called me on the 32nd day saying that the payment I made was a partial payment. I made the payment over the phone and the representative didn't tell me that there was a slight increase with my payment because I didn't have insurance for a week back in November. So the payment that I made was considered a partial payment. There was only a $20 difference and I told their collection department that nobody mentioned to me it was a partial payment when the payment was made. I put in a dispute with their credit reporting department explaining that I was unaware of the $20 increase in payment and that the representative failed to mention it....but after a week, they declined to withdraw the 30 day late.....over $20. Can someone help me with this please with an EO contact? This is terrible...... Thanks everyone
  18. I just pulled the trigger on Citi Advantage and was instant approved for $3,500. I was hesitant since I had 6 inquiries in the last 15 days.....but I got in. My EX and TU is frozen also but I'm happy with the approval Should I recon for a higher limit once I get the card? Just not sure if it would result in another hard pull. I've come a long way ladies and gentlemen, and this board gave me the road map. I was at a 490 EQ Fico back in October and had enough of it. I had only First Premier and Credit One as my friends....now I've got some new ones. Just in the last 15 days: Discover iT: $5,500 DCU: $5,000 Cap One GM: $3,000 Today: Citi AA: $3,500.........score they provided was EQ 667 I've already closed First Premier and Credit One is next on my list. I'm in the garden for a while....the only thing I'll be focusing on is managing these card opportunities, and work some limit increases later this year. Minor baddies on the other 2 bureaus, so I'll be focusing on those also.
  19. I just scored a $3,500 approval on Citi aadvantage which is good news......should I recon now for a cli??? Thanks for any feedback
  20. Yes FH is my oldest....real thin file....gotta bunch of stuff off. I only have an auto (under 1 years), installment loan through credit union (3 months old), 3 student loans (5 years old) and that's it basically.
  21. I just recently scored $13.5k in new credit card approvals: Discover DCU Cap One GM I have the following sub cards and will close at least 2 of them: Fingerhut: $500 limit....3 yrs old First Premier: $300 limit...11 months Credit One Bank: $550....8 months Was thinking of closing FP and Credit One....but do you think I should keep the Fingerhut open because of the age? Thanks for your suggestions.

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