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My Journey Continues.............

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Ford725
Established Contributor

Re: My Journey Continues.............

EQ is now on ice!! Utilization will report at 10% or less across the board.  Regarding refinancing, you're right. I will wait until I'm in the range of 650. 

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 11 of 20
Ford725
Established Contributor

Re: My Journey Continues.............

Point taken. I will avoid Apple. Thx

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 12 of 20
Ford725
Established Contributor

Re: My Journey Continues.............

Believe me I tried.......Lol!!! I hit the button on all of them and was immediately given the 7-10 day message.  

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 13 of 20
Anonymous
Not applicable

Re: My Journey Continues.............


@Ford725 wrote:

Believe me I tried.......Lol!!! I hit the button on all of them and was immediately given the 7-10 day message.  


Well. At least we know that much Smiley Happy

Message 14 of 20
Anonymous
Not applicable

Re: My Journey Continues.............

Nixon, the OP says that they pulled equifax when they were trying to refinance
Message 15 of 20
Anonymous
Not applicable

Re: My Journey Continues.............


@Anonymous wrote:
Nixon, the OP says that they pulled equifax when they were trying to refinance

Most Auto Finance companies do.

 

Smiley Tongue

Message 16 of 20
ExplicitElicit
Established Contributor

Re: My Journey Continues.............


@Anonymous wrote:

@Anonymous wrote:
Nixon, the OP says that they pulledequifax when they were trying to refinance

Most Auto Finance companies do.

 

Smiley Tongue


I can second this.. Working for a bank I mainly pull EQ. Very seldom do I pull TU or EX.

Message 17 of 20
Ford725
Established Contributor

Re: My Journey Continues.............

Yep. Roadloans and People's Alliance Federal CU pulled EQ. My hope is to maybe I can get with NASA by next summer. Hopefully all of the hoopla dies WAY down by then. Thank you all so much for the feedback. *I forgot to add Kohls $300 into the approval section. It's revised now!

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 18 of 20
Anonymous
Not applicable

Re: My Journey Continues.............


@Ford725 wrote:

Yep. Roadloans and People's Alliance Federal CU pulled EQ. My hope is to maybe I can get with NASA by next summer. Hopefully all of the hoopla dies WAY down by then. Thank you all so much for the feedback. *I forgot to add Kohls $300 into the approval section. It's revised now!


Well, Good luck in your credit build.

Message 19 of 20
Ford725
Established Contributor

Re: My Journey Continues.............

Thank you very much Nixon.

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 20 of 20
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