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07-17-2017 11:13 AM
So I went on an app spree and also a CLI spree....I was able to get a lot of approvals for my grandmother, mother and I...see below!
$1260 CLI Loft
$900 CLI NY & Co
$1500 CLI QVC
$1950 CLI HSN
$850 CLI VS
$550 CLI JCrew
$1250 CLI Boscovs
$800 CLI Henri Bendel
$7200 CLI Overstock
$5200 CLI Sears MC
$25000 CLI Penfed Power Cash Rewards
$16000 CLI Penfed Platinum Rewards
$2000 Amex Blue Cash (EX)
$15000 SEFCU World MasterCard (EX)
American Express Business Plum Charge Card
$4000 Amex Simply Cash Plus Business (used same pull from Blue Cash even though it was 3 days later for both the Plum and Simply Cash Plus)
$20000 Penfed Personal Loan (used same report from May when I opened my Power Cash Rewards and Platinum Rewards cards...also used that pull for the CLI on those cards)
$500 Penfed OLOC (new EQ pull yesterday for OLOC and new checking account...I only had a savings account previously)
Saks (EQ)---I can't remember if it were the 7-10 or 10-30 day notice...haven't heard back yet
Chase Freedom (EX)-too many inquiries, but could be black list because I burned them in 2010 with a $14,000 charge-off
Citi AA (EX)-probably too many inquiries, but could be blacklist because I burned them in 2010 with a $18,000, $3600, $3600, and $1800 charge-offs
Barclays AAdvantage World Elite MC (T)-probably too many inquiries
$10,000 CLI Macy*s (Momma)
$5500 CLI Capital One Journey (Momma)
$5500 CLI Capital One QS1 (Momma)
$1750 CLI HSN (Momma)
$8000 CLI TJMaxx MC (Momma)
$7500 BankAmericard Cash Rewards (T-Momma)
$2000 Penfed Power Cash (EQ-Momma)
Penfed Platinum Rewards (Momma)
$900 CLI Ashley Stewart (Gma)
$6690 CLI Carsons (Gma)
In the garden until Aug 2019, when I will try for Citi, Chase, Barclays and Navy Federal again...NFCU told me too many inquiries in May 2017---offered me a secured card, but I didn't pursue it.
Current Scores: EX: 731 EQ: 692 and TU: 654
EQ/T in May was 738/731...drops everytime my private student loans payment plan renews Hoping to refinance after 2 years of business returns in 2019!
07-17-2017 01:31 PM
Thanks so much. I never thought I would get $25,000 from Penfed and another $16k. I am super excited for not only myself, but my mother and grandmother also. I have been working our credit since May 2015. We are back in the garden though for two years until I am ready to get a mortgage...I also failed to mention that my utilization is at 2%.
Thank you to the forum for all of the positive encouragement and knowledge I have received.
07-19-2017 06:23 AM
I have over 20 on each starting in Apr 2015 when I started to rebuild. I know that is crazy. I am done for 2 years
07-19-2017 06:26 AM
I recon'd the Citi Platinum AA yesterday and received a message today stating I was approved for $3000. I am off the blacklist and back in with Citi. WooHoo! I am so excited. This really is a great month for me!
07-19-2017 06:40 AM - last edited on 07-22-2017 09:31 AM by gdale6
Well, I was immediately declined for the Citi AAdvantage Platinum MC. I received the letter yesterday in the mail stating that I was declined for a paid or unpaid collection on my report (Transunion...even though myfico stated they pulled EX). I called the EO number found on this forum...Thank you myfico. I spoke with a very nice gentleman that sent me to Sarah in the credit department of the EO. Sarah was extremely nice. I told her that I would really like the opportunity to prove I am a creditworthy cient to Citi. She said of course, and told me she was sending my application for manual review. I was supposed to hear back by Aug 2nd. I checked my email this morning at 7:40am and saw you've been approved! I am so excited to be back in with Citi. Off the blacklist!!!
07-19-2017 08:17 AM
Congratulations on your approvals!! See ya in the garden...
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