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Approvals and Pulls

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Blackrv7
Frequent Contributor

Approvals and Pulls

The dust has settled down after my spree in Nov and early Dec. here is the final verdict on my CRs:   Amex only pulled EX, OCCU and PenFed only pulled EQ, Chase pulled EX & TU. 

 

So, two Amex cards, same day app only one HP, Sportsman SP shopping cart trick for an 8K CL,  I ended up with 6 cards, 4 HPs with the pulls evenly spread out EX 2, EQ 2, TU 1. 

 

Only Amex has not reported, OCCU 0 utl and 20K CL is due to report tomorrow and my scores actually have gone up, with 1% utilization and the pulls. I was at 15% when I applied.  Looks to me a combination of spread out HPs, decreased utl and increased CLs turned out to pretty much be a non event on my scores.

 

I'll take that !! Smiley Wink


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Message 1 of 10
9 REPLIES 9
gdale6
Moderator Emeritus

Re: Approvals and Pulls

Nice run, congrats Smiley Happy

Message 2 of 10
alvon123
Super Contributor

Re: Approvals and Pulls

congrats


Message 3 of 10
myjourney
Super Contributor

Re: Approvals and Pulls

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 10
aqualife
Valued Member

Re: Approvals and Pulls

Congratulations!
Message 5 of 10
Fico2Go
Established Contributor

Re: Approvals and Pulls

BlackRV, congratuations! 

 

A similar pattern of events happened to me.  Overall my scores increased. 

 

Biggest hits was AAoA which accounts for 15% but I think it will be offset by increased new accounts and added account type when the AMEX charge card reports.

 

 

Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 6 of 10
Blackrv7
Frequent Contributor

Re: Approvals and Pulls


@Fico2Go wrote:

BlackRV, congratuations! 

 

A similar pattern of events happened to me.  Overall my scores increased. 

 

Biggest hits was AAoA which accounts for 15% but I think it will be offset by increased new accounts and added account type when the AMEX charge card reports.

 

 


My AAoA went down from 7 years to 6 years but my 2 MSD Amex to 1988 haven't reported yet.........but.......I couldn't let well enough alone yesterday with my 720 TU and only one pull so I appted for Discover IT hoping they would pull TU.   See my other approval post, they pulled EQ at 743 and approved me for $3000.  My CS remained at 743 though. I'm done, I really am done Smiley Happy


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Message 7 of 10
FinStar
Moderator Emeritus

Re: Approvals and Pulls

Congrats!  Thanks for sharing!

Message 8 of 10
coldnmn
Mega Contributor

Re: Approvals and Pulls

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 10
djc1puno
Valued Contributor

Re: Approvals and Pulls

congrats Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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