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Regular Contributor
patsfan1453
Posts: 199
Registered: ‎11-04-2012

App Spree, Citi loves me

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. 

Chase Sapphire Preferred 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 4k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k
Total CLs: 26,900
AU BCP
In my wallet: CSP, Freedom
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: App Spree, Citi loves me

[ Edited ]

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 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. 


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.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
patsfan1453
Posts: 199
Registered: ‎11-04-2012

Re: App Spree, Citi loves me


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 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. 


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.

Chase Sapphire Preferred 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 4k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k
Total CLs: 26,900
AU BCP
In my wallet: CSP, Freedom
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,247
Registered: ‎10-02-2012

Re: App Spree, Citi loves me

[ Edited ]

aaoa 4 monhs!?! and got a $3.5k cl from citi!?! NICE congrats. what cards did you have b4 your app spreealso CLs??


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Regular Contributor
patsfan1453
Posts: 199
Registered: ‎11-04-2012

Re: App Spree, Citi loves me


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. 

Chase Sapphire Preferred 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 4k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k
Total CLs: 26,900
AU BCP
In my wallet: CSP, Freedom
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,247
Registered: ‎10-02-2012

Re: App Spree, Citi loves me

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.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Regular Contributor
patsfan1453
Posts: 199
Registered: ‎11-04-2012

Re: App Spree, Citi loves me

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.

Chase Sapphire Preferred 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 4k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k
Total CLs: 26,900
AU BCP
In my wallet: CSP, Freedom
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,247
Registered: ‎10-02-2012

Re: App Spree, Citi loves me

In that case DAMN! You have been lucky!! hahha congrats!


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: App Spree, Citi loves me


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 :smileyhappy:

 

 


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.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,247
Registered: ‎10-02-2012

Re: App Spree, Citi loves me

@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?


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

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