knj601 Tracker

Re: Discover More denied due to inquiries...but not so sad.

knj601 — Fri, 09 Nov 2012 04:27:22 GMT

Now I am really jealous. lol.

Re: Had to come to a realization tonight.

knj601 — Fri, 09 Nov 2012 01:59:04 GMT

It is a good thing you are coming to this realization now. You should be able to control your debt at this point. I wish I would have had an awaken much earlier on. I had over $50k in credit lines at one point with about $25k in balances. As a young twenty-something with little experience with credit, it went bad and fast. I spent way more than I was making and then bam serious health problems, job loss, and bankruptcy! I wish I actually used this forum way back when and saved myself before I lost my job and my credit. I wish you all the best of luck!!

Re: How to get a PC or CLI from Capital One

knj601 — Fri, 09 Nov 2012 01:53:13 GMT

Jutz wrote:
Thanks for the write up p-

Question. Since many of us start with cap1 under less than ideal conditions, has there been success getting a CLI with scores still less than stellar, and negative items still present, albeit further out? For instance, I've hit my year, 7 months since credit steps auto CLI and I'd like to contact EO by email to make a request. Do I stand a chance while still in the low 600's? I'd like to up my CL from 750 to 1500+ if possible. Though anything helps, and would be more than the LUV button would supply

Your scores are not too far off from mine, and I just got an increase on my $500 CL to $1000 CL. I would try it, you never know. I have not had any negatives on my report since my BK, and they met my minimum request. I also have another card with them with a $2500 CL (did not ask for a CLI on this card) that I push a lot through, but I was happy with the credit increase on my rebuilder card. I would send an email and just try. Worst case is they say they can't do anything for you, but I imagine they can. My rebuilder card was only about a year and a half old.Good luck!!

Re: Discover More denied due to inquiries...but not so sad.

knj601 — Fri, 09 Nov 2012 00:13:32 GMT

Thanks!

Re: Discover More denied due to inquiries...but not so sad.

knj601 — Thu, 08 Nov 2012 23:34:39 GMT

That would make my day!! I will let you know what happens!!

Discover More denied due to inquiries...but not so sad.

knj601 — Thu, 08 Nov 2012 23:13:03 GMT

Today, I decided to just give Discover a shot before I call off all credit applications for at least 6-9 months. Instantly denied due to inquiries. I called to recon and the CSR was friendly and informative. He basically said the only reason he could see that I was denied was the inquries (kind of figured , but I had the itch :( ) I asked if there was anyone else who could take a look and explained the reasons for most of the inquiries that were not credit card related. (student loans, apartment hunting, and car loans) It seems EVERYONE likes to pull TU for me. TU has about 15 inq (I KNOW!!) EQ & EX have maybe 3 each. He said he would forward it to a supervisor, and I should expect a response within 24-48 hours. I am not holding my breath on an approval, but it felt soooo good to get denied for inquiries and nothing else. I have worked hard on improving my credit and lowering my utilization. If it is a no go, I will wait at least 6 months and try again. I just wanted to share & thank the forum for all the advice that has helped me move forward. Now NO MORE APPS for me until I reapply for Discover!!

BTW: I just got my mail and there is a preapproval for a Discover More card! First preapproval letter in years. Talk about rubbing salt in the wounds. lol.

Re: Capital One Executive Office

knj601 — Mon, 05 Nov 2012 16:20:07 GMT

I sent my email on Thursday, got a call back on Friday, and this morning another call that I was able to get a CLI. I logged on and it was only to $1000, but then again I only asked for at least double the current CL. I am happy regardless because at least it shows they are willing to do something. I rarely use the card anymore so it isn't too major. Unfortunate it takes so much effort, but I will consider this a small victory.

Re: Banks and their shady reporting habits

knj601 — Tue, 30 Oct 2012 05:25:21 GMT

Wal-Mart always holds my payments. They post it to my current balance, but it is not available until about a week later. Capital One also constantly holds my payments, but I do make large payments. I also do the bill pay through my bank because I want the money out of my account asap! I paid off a few of my cards down to 0, and I feel like it took years to show on my reports, but then again it may be that I am just watching them like a hawk now.

Re: Lowes Card 2 years after BK7

knj601 — Sun, 21 Oct 2012 22:50:44 GMT

I was just approved for a Lowes card. My bk discharged in 08/10. I was denied at the beginning of September, but after my utilization went way down, I gave it another shot. This was the last card I wanted because my fiance' loves Lowes. I only got approved for $300, but I have read some amazing growth stories. Hopefully, I can get it increased over the next year to a nice limit. My scores are listed below so I am sure you would get approved, but I would wait until after closing.

Re: Approved for Amazon, Declined for Walmart. - [Update!]

knj601 — Sat, 20 Oct 2012 21:50:19 GMT

You get a paper card with your account number on it.

Re: ORCHARD BANK

knj601 — Thu, 18 Oct 2012 20:05:07 GMT

I have been trying since last night to pay my fiance's card off, and I haven't been able to get on. I checked that website where they tell you if it is down for just you or for everyone, and it came back down for everyone. Wonder what the deal is??

Re: Good thing I didn't app for Old Navy in store

knj601 — Thu, 18 Oct 2012 20:01:01 GMT

The Amazon store card also has that same disclaimer, but I tried my luck and got approved for $900. I think it just means your chances are better if you haven't had a bankruptcy. It worked out for me though...it's a toss up!

Re: So ashamed and devastated

knj601 — Thu, 18 Oct 2012 03:48:49 GMT

While I do check my accounts on a daily basis..a little bit of an addict when it comes to my money...I have worked for financial institutions. They do not always notify customers of holds or freezes in a timely manner. Many times the customer will find out about these holds through the mail (which can take days). I have dealt with many situations where my customer's funds have been placed on hold for days without their knowledge and only found out from returned payments, etc. Banks and Credit Unions can be slow at notifications at times. This should be a huge red flag to either switch the place you bank or be sure to keep track of your accounts much more actively. Sorry for your headache.

Re: navchek approval odds???

knj601 — Wed, 10 Oct 2012 21:53:56 GMT

I was also denied for the CC...reconed with no success; HOWEVER, I was approved for $5000 navchek. I'd give it a try! I was really surprised by the denial on the CC because I read everyone's success stories, but maybe it just wasn't my time. (probably should have waited until all my credit reports showed my new balances...darn app itch!!) I would give Navcheck a try though. Good luck!

Re: Garden Club Meeting - October 2012

knj601 — Wed, 10 Oct 2012 21:40:07 GMT

New to the garden, but I am hoping for no apps until we start looking to buy a home in October of next year. That's a whole year!!! I hope I can do it! I added a few new cards in the last two months so I need to just let these babies grow. Three GE cards to nurture and hope for decent increases. Now it;s time to just sit back and live through everyone else on this forum. I can't lie, I get pretty excited when other people get approvals. Now let me kick back and relax my feet. Here's hoping I don't get any itches!!

Re: so in love with Navy Federal!

knj601 — Mon, 08 Oct 2012 22:24:08 GMT

I did the CC first :smileysad: I recieved the 3-5 day message, then a few hours later applied for NavChek. I was approved for that in a few hours. I got my denial on the CC this morning. Here's hoping they are nice and reconsider, but I am happy with my $5k NavChek! There's always the future...BUT man did I want that CC!!!

Re: so in love with Navy Federal!

knj601 — Mon, 08 Oct 2012 22:18:14 GMT

I was also approved this weekend for a NavChek LOC!! Felt great..until I got denied for the CC. Working on a recon though! (That's what I get for going overboard) :smileyindifferent:

Re: The Craigslist Credit Card

knj601 — Mon, 08 Oct 2012 22:07:05 GMT

Ooo man. If this was real, my fiance would probably go crazy!! We would have sooo much stuff we didn't need. :smileyvery-happy:

Re: NAVchek Conditional Approval

knj601 — Sun, 07 Oct 2012 00:13:50 GMT

You sure were right!! I am glad to say "you told me so"! We are debating a credit card, so if we do it, we will do it soon. Thanks for everything!!

Re: How long until reports update??

knj601 — Sun, 07 Oct 2012 00:03:54 GMT

Every little bit helps!! Thanks for the info everybody!