Uber card Approval odd’s

[Anonymous]

You will be declined. 

[Anonymous]

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@Anonymous wrote:

You're also losing anywhere from 30-40 "free" FICO points by not having an installment loan reporting low balance remaining.

You should do the Alliant SSL Technique ASAP (see my 11 rules signature link).  It'll boost you a lot since you don't have an open installment loan, and it's cheap, and it doesn't use an inquiry at all -- and it lives for 5 years.

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With two recent collections, very little will scores increase with an installment loan. Certainly not 40 points.

[CreditCuriosity]

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@Anonymous wrote:

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@Anonymous wrote:

You're also losing anywhere from 30-40 "free" FICO points by not having an installment loan reporting low balance remaining.

You should do the Alliant SSL Technique ASAP (see my 11 rules signature link).  It'll boost you a lot since you don't have an open installment loan, and it's cheap, and it doesn't use an inquiry at all -- and it lives for 5 years.

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With two recent collections, very little will scores increase with an installment loan. Certainly not 40 points.

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Agree mabe 5 points tops if no installment loan already exists. 

[Anonymous]

+1...

[Anonymous]

Op asked a question and it was answered. We’ve seen similar profiles with baddies get approved for cards that were surprises. Takes some guts to post on this side of the forum, let’s not run them off  

[Anonymous]

I had a collection and an unpaid tax lien and the SSL boost was double digits but I'm not home this weekend to see what it gave me. Was significant enough to be valuable even with derogatories.

[Anonymous]

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@Justagirl73 wrote:

Op asked a question and it was answered. We’ve seen similar profiles with baddies get approved for cards that were surprises. Takes some guts to post on this side of the forum, let’s not run them off  

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Who's running them off?