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Found 13 results

  1. My 350th Post!! Final step for the DW for 2014. Approved for $13K on their 11.99% Diamond Preferred, HP on EQ. Her Scores: Exp : 789 TU : 798 Eq : 806 Over the last fourteen day app spree, she's scored: AMEX EDC - $9,400 to $28,200 NFCU Flagship - $10,000 NASA Visa - $13,000 BECU - $25,000 BOA - $8,200 > $16,400 USAA - $16,000 Citi - $13,000 For a total of $104,000 in new credit! She did apply for a second NFCU card, that's still under review. Off to the garden till n
  2. Whoo Hoo! DW was just approved for NASA Visa Platinum Rewards, $13K, 9.9% I'm trying to make sure she has a complete credit profile, she has no credit unions yet. Although, she was just accepted to Navy FCU (based on my membership). CC application there is "pending". Her FICO scores: Exp : 789 TU : 798 Eq : 806 The NASA HP has not shown up yet, but I'm guessing it will be Experian like mine was. GIFSoup
  3. After 1 1/2 years I was finally approved by barclays it's the frontier card with a 1500 CL. I wanted to get everyone's opinion on if I should call an recon for a higher limit.
  4. I was declined for a discover it card, reasons being: % of balance to credit limit too high on revolving accounts Length of time accounts have been established Proportion of loan balances to loan amounts is too high What is the best course of action to get an approval? What are discovers requirements?
  5. I have a question about VA loans for any underwriters or lenders familiar with the process. I see that VA guidelines require 12 months history on where you live. My husband has been in the military for a little over a year, so we have been on base housing and they simply take our BAH. If they need 24 months of history he lived in a house that is mortgaged by me before that. I have a house in my name, and my name only. It's where we lived before he enlisted and it's currently a rental property. About 3 years ago we had an unexpected child. I had to stop working and I got behind o
  6. So I told myself I would be staying away from apps for a while but I received an email on the 24th of feb saying I had been pre approved for the Flagship Visa Signature Rewards card. I immediately got excited and started the app but then realized I had added a few inquiries by applying for navcheck and discover it (which I got approved for with a starting limit of $1800) so I was hesitant thinking my score might have been higher when they checked for pre approval qualification vs dropping a few points from recent Inqs. But then I figured wth and filled it out. Waited a couple of days and k
  7. After seeing on here that Discover was offering a secured 'it' card, I decided to apply as I like the cashback offers, purchase/travel coverages, and my parents have always had good luck with their customer service. I didn't think I'd get an unsecured one, but I knew you had to apply, get denied, get offered the secured one, etc. so I filled out the app a few days ago. Well, this morning they called and left a VM asking me to call back, and when I did, they offered me an unsecured card! I was pleasantly surprised to say the least! It's a smaller limit ($1400), and a higher APR (22% I th
  8. So I mentioned not too long ago somewhere on the boards about my Wex Quiktrip approval. Sent me the driver information form... spoke with the Sales rep in reference to being able to set everything up online once receiving cards and everything. Before I even go to use the card, less than week after receiving, I get letter in the mail saying that our Credit Line has been terminated. *siiiiggghhhh* I e-mailed back Sales Rep who was pretty prompt in all her previous replies, and of course no reply here. For all the hassle that it brings, I will just let this one go in the wind. Not really understa
  9. I took a chance and applied for American express blue cash anf was approved but dont know my limit. I dont know which cra they pulled.. is there anyway I can find out my limit???
  10. Never would've thought this day would come if you were to ask me a few years back when I was a mess of damaged credit and low scores. But today... Was declined by PenFed 3 months ago for...pretty much everything under the sun. Had a 729 EQ FICO, 3.8yr AAOA, 22 INQs, and 22% util. My approval today is with a 749 EQ FICO, 2.2yr AAOA, 0 INQs, and 8% util. I know that the next step may still require proof of income and stuff, but I didn't lie on the app so I don't foresee any issues. I do potentially foresee issues with AmEx or Barclays since this is my 8th new trade line in 6
  11. So yesterday I got approved by usda walk thru scheduled for today. Then Midlands mortgage LO called to tell me that she don't think I can go to closing because she pulled a soft inquiry and my report showed two disputes that was placed in 2012 and completed before even applying for this mortgage. it didn't show up on the hard pull she did. So now she want me too call the CRAs too get them taken off.... Suppose to close by the end of the month.. Always obstacles....
  12. Here is my credit at a glance. Credit Karma FAKO 736 Experian score: 702 Transunion: 704 Equifax: (Im putting a freeze on it since they cant seem to get my report accurate) Credit inquires: 8 Number of accounts: 11 (Macys doesnt report my card to Experian for some reason but I wish they did) Macy's: 3.4 yrs. $2,000 Walmart: 2.4 yrs $3,300 Capital One platinum: 2.1 yrs. $750 Target: 2 yrs $200 Sears: 1.6 yrs $2,600 Ashley's Furniture: 1.6 yrs $5,000 Best Buy: 1.6 yrs $3,300 Banana Republic: 1.6 yrs $1,100 Chase Freedom: 1.5 yrs $800 Capital One Visa" 1.4 yrs. $750 U
  13. Hi Everyone... Was looking for a quick answer... I just got approved for a Walmart store card for $700. Called UW to see if they would upgrade me to Discover and was transferred to Customer Service. Was told that I would have to reapply for Discover...will this result in another hard inq or can they use the same inq they already pulled? After researching the boards it looks like the regular store card will eventually upgrade to Discover. Should I go for it now or just wait it out? On my report, I have 3 CO, 2 paid, 1 unpaid. Thanks!
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