APP SPREE COLLEGE STUDENT

[kristin93]

Hello Everyone, 

I just  went through a huge app spree that ended fairly well for me.

June 15, 2014

Chase Freedom - Instantly Approved - CL $2000

Capitol One Quicksilver - Instantly Denied - No recon number

Amazon Store Card - Instantly Approved - CL $900

BillMeLater - Instantly Approved - CL $1001

Target RedCard - Instantly Approved - CL $300 (total BS)

Citi Simplicity - Instantly Denied - No recon number

Capitol One Platinum - Instantly Denied - No recon number

Chase Slate - 7-10 day message - denied via mail - recon for manual approval - CL $2000

BACKGROUND INFO

SCORES (reports freshly pulled on 6/15):

696 - Equifax

718 - Transunion

687 - Experian 

698 - FICO (via discover website)

CREDIT HISTORY:

2 years of history

AAoA - 1.7 years

ZERO derogatory marks/delinquencies

ALL on time/as agreed payments 

Overall Util - 16%-ish

MY WALLET prior to app spree:

Yearly Income: ~ 40,000

10 open accounts (6 installment (student loans deferred), 4 revolving))

discover card - 2k - maxed out

carecredit - 10k - small balance ($303)

Victorias Secret Angel Card - $940 - $0 balance

Express Next A-List - $950 - $0 balance

6 student loans

My scores were pretty good according to the FICO website, but all of the potential creditors pulled a 674 from EQ. And Capitol One pulled ALL THREE BUREAUS. Not sure where my scores sit now, but according to my discover statement my scores are a little higher after all of the inqs. Should I try to write a letter and recon for the other cards or should i just be done with it? Advice anyone?

[gdale6]

Great run, grats

Always recon here is the backdoor number thread http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/m-p/408066

[-Wade-]

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@kristin93 wrote:

Hello Everyone, 

I just  went through a huge app spree that ended fairly well for me.

June 15, 2014

Chase Freedom - Instantly Approved - CL $2000

Capitol One Quicksilver - Instantly Denied - No recon number

Amazon Store Card - Instantly Approved - CL $900

BillMeLater - Instantly Approved - CL $1001

Target RedCard - Instantly Approved - CL $300 (total BS)

Citi Simplicity - Instantly Denied - No recon number

Capitol One Platinum - Instantly Denied - No recon number

Chase Slate - 7-10 day message - denied via mail - recon for manual approval - CL $2000

BACKGROUND INFO

SCORES (reports freshly pulled on 6/15):

696 - Equifax

718 - Transunion

687 - Experian 

698 - FICO (via discover website)

CREDIT HISTORY:

2 years of history

AAoA - 1.7 years

ZERO derogatory marks/delinquencies

ALL on time/as agreed payments 

Overall Util - 16%-ish

MY WALLET prior to app spree:

Yearly Income: ~ 40,000

10 open accounts (6 installment (student loans deferred), 4 revolving))

discover card - 2k - maxed out

carecredit - 10k - small balance ($303)

Victorias Secret Angel Card - $940 - $0 balance

Express Next A-List - $950 - $0 balance

6 student loans

My scores were pretty good according to the FICO website, but all of the potential creditors pulled a 674 from EQ. And Capitol One pulled ALL THREE BUREAUS. Not sure where my scores sit now, but according to my discover statement my scores are a little higher after all of the inqs. Should I try to write a letter and recon for the other cards or should i just be done with it? Advice anyone?

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Congrats on all your success

[MT936]

Congrats on all the new cards 

[coldnmn]

Congrats!  Welcome to the forum and thanks for sharing.

[MissMoni223]

CONGRATS on your App Spree!!! I suggest that you wait about 6 months and then go for an AMEX to add to your wallet. 

[alvon123]

congrats

[Tony275]

Congrats on those!!

[Focused10]

I agree. Wait 6 months, build up credit and pay down balances and apply for AMEX Everyday. Great rewards and I think they have a point bonus offering. Good luck and congratulations!

[kbailey1734]

Congrats on your app spree!