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TylerDurden

TU Pull App Order - Need Your Advcice <<<<<<<

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I need the advice from the best forum online - CB

 

 

I am doing 7 TU only Pull Applications

 

Here are my stats:

---------------------------

 

741 TU FICO / 747 CCT FICO

 

1 TU INQ ( 2 months old)

 

17% UTIL

 

Oldest Acct: 12 to 13 years

 

AAOA: 8 years

----------------------------

 

Here are the banks:

( In the order I am thinking)

 

 

1) BBVA COMPASS personal visa

 

2) Barclay 1 Pers and 1 Biz

--- (Have 1 Biz Barclay Visa now)

 

3) Nationwide

--- (Have 1 biz NW Visa now)

 

4) STATE FARM

--- (planning on locking EX and EQ, just in case)

 

5) US BANK FLEXPERKS

 

6) UMB GUIDE DOGS

 

7) HOOTERS MERRICK

 

OPTIONAL SUBSTITUTES:

 

1) Century CU

2) Barnes & Noble Visa

3) Target Biz Acct (locking EX AND EQ)

 

 

 

LET ME KNOW YOUR THOUGHTS

---------------------------------------------------

 

1) Should I change the order ?

 

2) Should I not app any of these banks,

based on my TU stats?

 

3) Should I add any banks based on my TU stats?

 

---------------------------------------------------

 

I WILL UPDATE EVERYONE WHEN I GET APPROVALS!

 

THANKS

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I think I remember reading that UMB isn't an instant approval, is done manually and could take a couple weeks. Hooters might be in a good spot on the list.

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What is an AA?

 

Adverse action. Closing your account, CLD or credit limit decrease, and all that sort of fun stuff.

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Can an AA negatively affect your credit score?

 

 

Anyone have specific examples of Adverse Actions?

 

 

What Banks might do it? What exactly will they do?

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Can an AA negatively affect your credit score?

 

 

Anyone have specific examples of Adverse Actions?

 

 

What Banks might do it? What exactly will they do?

 

Example: You apply for 6 new cards, 1 of them being a Barclay card... You're approved for all of them. Within the first 6 months or so of opening, Barclay will be keeping a close eye on you. Once all of those new accounts show up.... BAM.... They will more than likely close the account, or give you a credit limit decrease - bringing it down to about what your balance on the card is. It certainly won't help AAOA and putting you close to being maxed on your credit limit isn't a good thing, either.

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bump

 

Here are the banks:

( In the order I am thinking)

 

 

1) BBVA COMPASS personal visa

 

2) Barclay 1 Pers and 1 Biz

--- (Have 1 Biz Barclay Visa now)

 

3) Nationwide

--- (Have 1 biz NW Visa now)

 

4) STATE FARM

--- (planning on locking EX and EQ, just in case)

 

5) US BANK FLEXPERKS

 

6) UMB GUIDE DOGS

 

7) HOOTERS MERRICK

 

OPTIONAL SUBSTITUTES:

 

1) Century CU

2) Barnes & Noble Visa

3) Target Biz Acct (locking EX AND EQ)

 

 

 

LET ME KNOW YOUR THOUGHTS

---------------------------------------------------

 

 

1) Should I change the order ?

 

2) Should I not app any of these banks,

based on my TU stats?

 

3) Should I add any banks based on my TU stats?

 

 

---------------------------------------------------

 

I WILL UPDATE EVERYONE WHEN I GET APPROVALS!

 

THANKS

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I am curious as well.

 

Also has anyone applied for any (biz) BBVA Compass products ?

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