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Found 9 results

  1. Trying to build DW's credit file, she able to join this weekend based on my membership. I've been a member for about 5 years. Currently, her credit report is thin. The pulled Equifax and TU for membership, then TU the next business day for CC approval. (all entered in the credit pulls database) She was given a $10K Flagship Rewards card. Her FICO scores: Exp : 789 TU : 798 Eq : 806 I know it's not a "great" limit for Navy, but once her Amex $28K limit posts to the CRA's, you can bet we'll be getting out the "prybar".
  2. Hello, Just wanted to share my approval. So excited. I was discharged November 2013. I have received a few decent cards since then, Quicksilver with a 2.5k limit, and some other fee-free cards. Really surprised to get approved, and for 10k!!! Maybe it's because I charge everything on my Quicksilver. Anyways very happy. My Equifax FICO is 682, Experian 656.
  3. So after getting approved a few days ago for Amex PRG/Old blue combo, I decided to finally do a app spree for myself (been almost 5 years since I've apped). After various approvals ranging in the $4k-$12k I thought I was done. Capital One offers kept popping up, but I was so reluctant due to triple pull and so many reports of CapOne's stingyness on initial credit lines. Today decided to pull the trigger on a CapOne Venture Rewards for the 40k bonus. Instant approval online for $20k! Super surprised. Data points: Triple pull Fico's in the high 600s-low 700s Inqs in last 12 months
  4. First off I just want to thank the forum, I have just been pouring through stuff recently and learned some tools to help. I am 32 and once again a college student (4-year graduate level degree in health sciences, have 2 bachelor's and a master's from before, all without debt because of scholarships/TA's/working) During my 20s I was very skeptical of big banks/gubernment, lived a mostly cash economy from my job, etc. I had at varying points: GAP ($500), Macy*s ($200), Kohl's ($100), Discover ($2000), and Capital One ($4900) cards, all of which I ended up not using enough and got cancelled
  5. If at first you don’t succeed, you have nothing to lose by trying again…and aiming higher. (Caveat: some have incurred additional HPs in recon attempts. YMMV.) Two weeks ago I went into my local branch of a large regional bank (operating in 16 states) to close a checking account I was seldom using. The Team Leader who always helps me told me he could run a pre-qualifying credit card app, and while I was reasonably certain it wouldn’t work (I’m opted out), I also know they are primarily a TU puller – odds were in my favor that there wasn’t much to lose. I rightly guessed that my “soft, pre
  6. So against my better judgment...and considering I'm going to be gardening for the foreseeable future, I figured I'd burn one more inquiry on TU. Used the prescreened offer I received in the mail for the Travelocity AMEX. Since I already have a Barclay Rewards card, approval wasn't instant...ended up getting the 7-10 message and called into the backdoor right away. The analyst was pretty pleasant...asked about my employment, why I had an unpaid Midland collection on my report (It took me about 5 minutes to explain that doozy.) and why I obtained a few accounts recently. In the end h
  7. So I went on Amazon and decided I would do an application to determine where I stood as far as creditworthiness was in their terms. In the meantime, I figured I would at least get the Equifax denial and have the right to request my Equifax report (which i will still do). Anyhow, I decided to fill out the Net 30 and Revolving application and then call in and play "the confused role" So I get a rep on the phone asking him if there was any primary difference in the two accounts outside of pay terms, and that to be safe I filled out both apps to let him fully process whichever I determined to go
  8. My plans are to buy a home this year if possible my scores was looking bad at the end of the 2012 (eq-617, tu-582, ex-588) talked with a realtor and he sent through dhi buyers club the guy was suppose to help me get things off of my credit and he only wrote a letter for the things that was already due to fall off he also said I needed to get a couple of credit cards to establish current positive credit lines. I still continue to tweek my credit report to remove negative information. as of today my scores are eq-646, tu-622, ex-637 but I have applied for numerous credit cards starting the end
  9. So here is my situation: I have about $11,500 on my Bankamericard Mastercard at 9.9%. I did a BTF about 2 years ago and have paid a good chunk of that, but have incurred some purchases over the last year that were necessary when I didn't have excess cash. At any rate, I applied for both the PenFed Promise Visa and NFCU Platinum Visa because they both have no fees and good rates. I was approved for both! The PenFed Promise was given a limit of $12K and the NFCU Platinum Visa was granted a limit of $14K, which brings my total available credit to $76K. However, NFCU is the one that
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