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Decided to try my luck on a few cards. My profile: Scores all around 715. AAoA 4 months. Longest account 1 year. Util: 10%. No Baddies. Prefect payment history. 21 Years old. Income 42k.
Walmart Card: Instant 1k
Chase Freedom: Instant 500
Amex Hilton Honors: Denied SP
Citi Thank You Preffered: Called in to verify phone number: 3500 CL. My highest. Love those guys!
Chase Amazon Visa: Pending
The only card I really want now is the CSP but that's a ways off.
Proud of my credit file and will hopefully be near 800 in a year or so.
@patsfan1453 wrote:Decided to try my luck on a few cards. My profile: Scores all around 715. AAoA 4 months. Longest account 1 year. Util: 10%. No Baddies. Prefect payment history. 21 Years old. Income 42k.
Walmart Card: Instant 1kChase Freedom: Instant 500
Amex Hilton Honors: Denied SP
Citi Thank You Preffered: Called in to verify phone number: 3500 CL. My highest. Love those guys!
Chase Amazon Visa: Pending
The only card I really want now is the CSP but that's a ways off.
Proud of my credit file and will hopefully be near 800 in a year or so.
Not to burst your bubble, but unless you get a few 30 year old accounts added to your file you'll definately not get a 800 ina year. Even the Fico president did not have a 800.
http://www.youtube.com/watch?v=PqfR46obY1U CEO of Fico here stated you can not get a perfect score til your "40's something" and the earliest I've ever seen a 800 score was with 12 years of history with a Average age of accounts of 12 years.
Also majority of lenders primarily pull Fico 04 scores, and in the 04 scores no one has EVER reported a perfect score. Only in Fico 08 it's possible.
@distantarray wrote:
@patsfan1453 wrote:Decided to try my luck on a few cards. My profile: Scores all around 715. AAoA 4 months. Longest account 1 year. Util: 10%. No Baddies. Prefect payment history. 21 Years old. Income 42k.
Walmart Card: Instant 1kChase Freedom: Instant 500
Amex Hilton Honors: Denied SP
Citi Thank You Preffered: Called in to verify phone number: 3500 CL. My highest. Love those guys!
Chase Amazon Visa: Pending
The only card I really want now is the CSP but that's a ways off.
Proud of my credit file and will hopefully be near 800 in a year or so.
Not to burst your bubble, but unless you get a few 30 year old accounts added to your file you'll definately not get a 800 ina year. Even the Fico president did not have a 800.
http://www.youtube.com/watch?v=PqfR46obY1U CEO of Fico here stated you can not get a perfect score til your "40's something" and the earliest I've ever seen a 800 score was with 12 years of history with a Average age of accounts of 12 years.
Also majority of lenders primarily pull Fico 04 scores, and in the 04 scores no one has EVER reported a perfect score. Only in Fico 08 it's possible.
"Near" 800. Like 760-780.
aaoa 4 monhs!?! and got a $3.5k cl from citi!?! NICE congrats. what cards did you have b4 your app spreealso CLs??
@BearsAndTurtlesRtheBest wrote:aaoa 4 monhs!?! and got a $3.5k cl from citi!?! NICE congrats. what cards did you have b4 your app spreealso CLs??
Amex Green, BCE 1k, Citi Forward 3k, Simplicity 1k, Discover It 2k, Cap 1 750, Amazon Store 1.3k. I think its because I've put about a thousand a month through the foward. I wanted the thank you to make the foward points worth more.
WOW that neat! and these are cards under your name right/ Or are you an AU. Either way you have excellent cards, and a excellent credit report.
All mine. I actually have people as AUs on them haha. I feel like I've been pretty lucky. My second card was the Amex BCE.
In that case DAMN! You have been lucky!! hahha congrats!
@BearsAndTurtlesRtheBest wrote:added to my moms Sears Platinum Master Card which has a $1,500 CL which required my ssn number so it should be reporting. I now have to wait at least 6 months so I can pull my first credit report
Not true if your added as an AU you'll instantly get a credit score. Once it reports as long as the card that was added in your name has 6+ months of history.
@distantarray Realy!?! Ive tryed on myfico.com but it says something call to verify. I called once bu the lady on the phone just asked my do you have any cards and i said "NO" so she said then thats why their is no credit reprot nor score. Then goodbye and hung up. SOO that why im assuming that at leat 6 months should pass until i can see credit reprot and score. What should i say when I CALL TO VERIFY?