04-02-2013 08:28 PM
04-02-2013 08:29 PM
Solstice, if you are in the garden, you need to weigh the risk/benefit. For me, I'd decided to app for something (and I was also in the Garden--came out two months earlier than I intended to) and it was not a big risk (I really thought I was blacklisted with them!) That being said, I exercised great patience for a long time and I do believe that is why it paid off. I would post and ask for others' experiences with the site and research, which is what I did.
Or it may be that I would have qualified anyway and the site is bogus. I really do not know and am reluctant to advise or nudge.
Youre right! No temptation.
04-02-2013 08:30 PM
LisaJ That was such an amazing account of your experience I must admit I read it twice all the way to the end...Thanks for sharing as im sure it will empower and help someone
else. Again I say WOW
04-02-2013 08:42 PM
04-02-2013 08:45 PM
04-02-2013 08:48 PM - edited 04-02-2013 08:49 PM
04-02-2013 08:48 PM
04-02-2013 08:52 PM
04-02-2013 08:54 PM
04-02-2013 09:05 PM
I really hope I am misreading some of the replies here that seem to suggest I am being dishonest in some way. What exactly is it that seems "off?"
Because I really don't know why I would lie, mislead, or otherwise misrepresent myself. I'm gathering that has happened here before, but this is not one of those times.
I may not participate here very much, but when I feel I have something to add, I try to do so. I searched for hours for stories of similar credit profiles to mine before apping and thought that I would contribute my story for anyone who might benefit from it. I lurk a lot and have been a forum member for 5 years. I feel this approval is directly related to learning from this board, so I posted it.
FWIW, I never "confirmed" anything, and clearly stated that it was MY experience, and what I found when I researched it. Likely, I would have been approved regardless. Approval to Amex may seem like a silly thing, but it was huge to me, hence my excitement. I have been to hell and back with that CC company over the years; this was a win for me. As for FR, I am not worried about that either, since I was honest on my application.
I'll refrain from the snarky emoticons, but please feel free to ask me directly if you have question about my integrity. And if I have misread any intent, my apologies, but given that I teach high schoolers for a living, I am fluent in snark, so I highly doubt it.
I do get that my title was over the top--I was really that excited--if a mod would change it to "BCP Approval with Amex CO", or the like, I would appreciate it. I also realize that I still have some typos in my original post, but I'm sure any more editing by me would be misinterpreted. I apologize if it rambles.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.