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Valued Member
Posts: 33
Registered: ‎04-22-2015

It has been a great Jul!

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 renewsSmiley Sad  Hoping to refinance after 2 years of business returns in 2019!

Starting Date: 04/19/2015 |EX FICO : 616 EQ FICO : 625 TU FICO : 588
Updated: 09/18/2015 | EX FICO : 658 EQ FICO : 624 TU FICO : 621
Goal: April 2016 | 700+ across the board
New Member
Posts: 4
Registered: ‎06-26-2017
0

Re: It has been a great Jul!

That is quite a spree!  Congratulations!

Valued Member
Posts: 33
Registered: ‎04-22-2015

Re: It has been a great Jul!

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.

 

 

Starting Date: 04/19/2015 |EX FICO : 616 EQ FICO : 625 TU FICO : 588
Updated: 09/18/2015 | EX FICO : 658 EQ FICO : 624 TU FICO : 621
Goal: April 2016 | 700+ across the board
New Contributor
Posts: 103
Registered: ‎10-26-2015
0

Re: It has been a great Jul!

Now that's a spree! Congrats!
Frequent Contributor
Posts: 429
Registered: ‎01-16-2017
0

Re: It has been a great Jul!


Khalifa_Jayy wrote:
Now that's a spree! Congrats!

Congrats. How many inquires do you have?

Valued Member
Posts: 33
Registered: ‎04-22-2015

Re: It has been a great Jul!

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 yearsSmiley Happy

Starting Date: 04/19/2015 |EX FICO : 616 EQ FICO : 625 TU FICO : 588
Updated: 09/18/2015 | EX FICO : 658 EQ FICO : 624 TU FICO : 621
Goal: April 2016 | 700+ across the board
Valued Member
Posts: 33
Registered: ‎04-22-2015

Re: It has been a great Jul!

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!

Starting Date: 04/19/2015 |EX FICO : 616 EQ FICO : 625 TU FICO : 588
Updated: 09/18/2015 | EX FICO : 658 EQ FICO : 624 TU FICO : 621
Goal: April 2016 | 700+ across the board
Valued Member
Posts: 33
Registered: ‎04-22-2015

Citi Platinum AA Recon Success!

[ Edited ]

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!!! 

 

 

 

 

 

Starting Date: 04/19/2015 |EX FICO : 616 EQ FICO : 625 TU FICO : 588
Updated: 09/18/2015 | EX FICO : 658 EQ FICO : 624 TU FICO : 621
Goal: April 2016 | 700+ across the board
Senior Contributor
Posts: 7,353
Registered: ‎04-23-2016

Re: It has been a great Jul!

Willy Wonka please meet Mae2014 Smiley Wink

Valued Contributor
Posts: 1,198
Registered: ‎01-19-2015

Re: It has been a great Jul!

Congratulations on your approvals!! See ya in the garden...Smiley Happy

AmexPlat(NPSL) Amex BCP(26k) BofA CR Siggy(15k) AmexOpt (13.1k AU) Venture WMC(10.25k) Walmart(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) BB Visa(6k) Pier 1(5.7k) Citi Diamond(5.5k) NFCU VS Cash(5.5K) J Crew(5.3k) NFCU CLOC(5K) Barclaycard(5k) PenFed PCR(5K) Kohls(3k)

FICO 8 Scores EX 714(15) EQ 670(15)TU 702(17) AAOA 3.0yrs TCL=155,900

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