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Congrats. I just "lit the fuse" on this one earlier this morning.
Congrats to both of you, nice limits!
@chnceit wrote:
Thanks all!
These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.
Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.
Thanks for posting these. Seems to me that all posted approvals with high CL have had low UTL and high scores.
WTG!
Congrats...Awesome CL
@lhcole77 wrote:
@chnceit wrote:
Thanks all!
These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.
Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.Thanks for posting these. Seems to me that all posted approvals with high CL have had low UTL and high scores.
WTG!
Seems to be true. Some with lower scores and higher UTI get lower CL's.
BTW! Thanks all! Doing the Beaver dance! LOL
@chnceit wrote:
@lhcole77 wrote:
@chnceit wrote:
Thanks all!
These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.
Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.Thanks for posting these. Seems to me that all posted approvals with high CL have had low UTL and high scores.
WTG!Seems to be true. Some with lower scores and higher UTI get lower CL's.
BTW! Thanks all! Doing the Beaver dance! LOL
Not so fast, not consistent with experiences here, nor my own. Thread here:
http://ficoforums.myfico.com/t5/Credit-Cards/Duck-card-approval-profiles/td-p/2510735
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@ZoomZoom22 wrote:FWIW I was approved with 33% util, however I am high earner.
Got congrats instant approval mesasge and says card will arrive 7-10 days (not to be confused with 7-10 day message).
My highest CL's are in the 30-50k range so I am interested to see what this one is since I have seen some high lines with people here with less profile than mine
I am quoting myself here ^^
I called in today to see what my credit line was on my approval and it was $20k
Thanks again to the forum here for a great thread that allowed me another high CL line.
As mentioned somewhat high UTIL at the moment (31% actually) but high earner.
Other notables:
INQ: 2 within past year
Aaa 7+ years
Oldest: 19 years
No baddies
EQ FICO as of last weekend: 768
ZoomZoom22, you have a long history which OCCU seems to like. Folks with AAoA around 1 year appear to be getting the denials or low initial CL.
@chnceit wrote:Had to jump on the Duck/Beaver Bandwagon!
Told the other half of this card that everyone is talking about and all these approvals with high staring CL's. So the other half applied Sunday evening and got the dreaded 7-10 day. Well thought denied. Then called in the AM. APPROVED! 15K Whoop!
Then I got jealous so I applied! Like others on the decision page it said approved, not CL so I couldn't wait for any snail mail so I called. Approved - 20K! My highest starting CL like EVER!
Doing the Happy Beaver Dance! LOL Whatever that is!
Thanks to this board for the info because I wouldn't have known about this card.
Back to the garden I go because my seed needs to grow!
Edit to correct my spelling
Congrats! On getting the two beavers!!
I just app and got the dreaded 7 to 10 day letter