Spark Decline - Options ?

[Javagafire]

Will wait until the 18th to do the application. By that time i will drop 3 inq 2 years old.

[Creditaddict]

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@Javagafire wrote:

Will wait until the 18th to do the application. By that time i will drop 3 inq 2 years old.

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banks usually only sometimes looks at INQ's past a year on manual reivew and fico scoring stops at 1 year also.

[Javagafire]

Got approved yay!
10k cl. They pulled all the CRA and i my scores were Ex 743(fico) TU 744(fico) and Eq 759(equifax site) 16 EX Inq's in the past 2 years but only 5 in past year.

Edit: this was my 4th try to get the same card in the past two years. They didnt want to give it to me idk why but finally made it

[Mrjstics]

Congrats!  I hope I will get a descent cli after a few months.