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since
02-16-2008
12-16-2019
My2cents
Regular Contributor
238
Posts
21
Kudos
07-07-2016
11:48 PM
Hello everyone. I was just wondering, when will the FICO scores get attached to our account? Has anyone gotten their scores yet?
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06-22-2016
10:50 AM
Citi Bank Costco (CBNA) pulled Experian on me and I had 2 inquiries and was approved for 2K. My highest CL is 7K Barclays and my lowest is 2K Cap1. I love the 4 3 2 1% setup. 4% Costco Gas 3%Resturant 2%Costco purchases and 1% everywhere else.
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06-20-2016
09:46 PM
I also have the old WaMu cards 1 has been stuck at 5k for 8 years and the 4K card has been stuck there for 7 years. Even with good usage, no CLI
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08-01-2011
08:40 AM
Hello everyone. My Ch13 came off of my Ex report 2 months early. Is it true that Eq deletes on the 1st of the month and TU deletes on the 20th of the month? Ole my2cents
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05-20-2011
12:56 AM
Hey Purple. I was able to convert my card into Chase Freedom. However I have not received a CLI or CLD, so it is good in some ways and bad in some ways. Remember the pFicos. The good ole days. Ole My2cents
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04-12-2011
05:35 PM
TopCat99 wrote: I'm still in the process of rebuilding after quite some time of repairing I found out that Orchard has the soft pull thingy to see what you qualify for. Since I'm not out of the woods yet, I figured maybe they wouldn't be so bad--maybe one more rebuilder would be a good thing...right? Welp, the app said I qualified for a Platinum with a $39 AF and 14.9%. Given that I've seen the $79+ AFs and ludicrous APRs floating around from Orchard, I thought maybe this might work out OK. I thought, "Well, my Cap One has no annual fee, but it's also been stuck at $500," and clicked Apply. Given that I've had the Cap1 for three years now with a perfect history (I keep a small balance on it from month to month, but almost PIF) and I have a GEMB JCPenney that does show me love, I figured Orchard would at least be a respectable CL. So I kept going and then got to the online account thing where you see your CL. Drumroll please... $300! Seriously? That's the best you can do, Orchard? A lousy $300? So now I'm regretting going through with the app. I already have cards with higher CLs with no AF. So I'm wondering if I should activate the card when it comes for its whopping $260 avaiable credit just for the sake of having the TL or is there somewhere I can say "thanks but no thanks" and just close the account before it's ever opened? Any suggestions? Stay off of the drums! Ole My2cents
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03-14-2011
06:45 PM
APPROVED CREDIT CARD: Barclay Mastercard BUREAU PULLED:TU CREDIT SCORE:707 CUSTOMER STATE OF RESIDENCE: AL as in Alabama AAOA: 8yrs UTILITIZATION: 9% HHI:103000 CREDIT LIMIT: 3600 MISCELLANEOUS COMMENTARY: Ole My2cents
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03-14-2011
06:30 PM
Does anyone in AL get approved for anything other than National Championships (Alabama/Auburn). Ole My2cents
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03-14-2011
05:55 PM
Hey they FINALLY gave me a CLI of 200.00 without a request. I think it is because I use the card pretty heavily SINCE they have added the 2% cashback reward to my card. I got my first 100.00 reward check today. However a CL of 1500 is subpar to my other CLs with Chase BOA and Barclays, but all of my cards are reward cards now, so thanks Orchard!!! Ole My2cents
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02-22-2011
06:24 PM
Great job! What are your scores? I've been waiting for a auto, but I guess I will have to take a hard pull. Ole my2cents.
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02-19-2011
06:01 AM
The offer is 3% for the first 6 months and 1% thereafter. AF is 59.00. And the CL is 1500.00. I know Orchard is sub-prime, but these terms look prime. Ole My2cents.
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02-18-2011
03:25 PM
Hello all. Can you believe that I have a Cash back reward card from orchard. I get 1% cashback on all purchases. I did not request it. They just gave it to me. Ole My2cents got lucky
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01-29-2011
06:03 PM
Congrats. This just goes to show that success can happen at many levels. I've heard of people complaining about 1000.00 CLs without a ton of fees. So enjoy your new card and hopefully it will grow. Oh, you might have to kick FP to the curb! Congrats again, from Ole my2cents.
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01-21-2011
08:32 PM
_ELLLLLLL NAWWWW! I wasted an inquiry with them. They pulled TU and I have a 727. I quess they had nothing for Ole my2. But Im good. My BK will drop off this Oct. 2011.
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12-13-2010
12:08 PM
This year, I am happy to say that I won the Rewards Vs Fees game. This year, my Chase card paid me about 1600 in rewards, and cost me about 600 in fees, so I netted 1000.00 in reward cash. Just like the carnie guy said at the fair, "Step right up, play the game, EVERYBODY WIN." Please note, EVERYBODY WIN. Ole My2cents
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12-13-2010
08:23 AM
I have found that 0 reporting consecutively over several months actually hurts your score, so allow a small balance to report at least every other month for maximum scoring. I have also noticed that TU is more sensitive to your reporting balance, so keep it low for optimum TU scoring. For you, 2 to 3% reporting should be fine. Ole My2cents.
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12-13-2010
08:13 AM
Great Job. The backdoor still work. DW needs to backdoor NOW! Will try to get up to 5k. Ole My2cents.
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12-13-2010
05:09 AM
I would say the Chase Freedom, which pays 3% on gas, restaurants and some other categories. This is CASH back, and not gift cards. I like to use my CASH back rewards for back to school or Xmas or to just pay a bill. Anyways. Ole My2cents.
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12-10-2010
03:37 PM
Good question. I was wondering the same thing about HSBC, they have softed me the past 8 months, and have the nerve not to give me a cli, and I know that my fico numbers look pretty good. Anyway. Ole My2cents
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12-05-2010
08:19 AM
3 Key Points 1. For the mere fact that Fico created a credit card score, I think that large banks actually use this variation of the score more, because it is better in predicting risk for the banks when issuing credit cards. 2. However the card is an HSBC card and HSBC can be low limit cards if your file is full of low limit cards. 3. This card is also a secondary card if the first provider, which is Citi, deny you, then HSBC will counter with the Sears Solution mastercard. So in essence, everyone with the Sears Solution Mastercard has been turned down for the Sears(Citi backed card). Ole My2cents
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12-04-2010
04:43 PM
It is a Fico score, but it is fico creditcard score. Fico generate a car loan score, a credit card score and a all purpose score. The Sears Solution score is the credit card score. Wamu called this score the pfico score. It is a variation of the fico score for credit cards. Ole My2cents.
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11-27-2010
02:57 PM
They did the same to me. They asked me to apply for another sorry card, and I said NO! I then said that I was considering closing, and they then gave me a 400.00 CLI, but this happened about 1.5 years ago. Ole My2cents
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11-26-2010
10:02 PM
I Saw that they were softing the heck out of DW TU, so I apped, and got 3500.00 CL with 708 TU score. My highest CL was HH--1500.00 and lowest is Sears--500.00. Ole My2cents
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