I am on cloud 9 right now. Many of you know i recently applied for a cli for my Penfed Promise card but was turned down. I was honestly upset as i felt i have made huge strides with my credit since my rebuild began and even more so in the year since i was approved. Thanks to many members here who encouraged me to recon .
As of this morning, i still hadnt heard back from my request for reconsideration and was actually was gonna wait til tomorrow to call on my lunch break. I was like , screw it, just sitting here,sippin my joe ,lol, checking my accounts like a good credit hobbit
and checked their hours for Sunday and decided to find out now if possible.
Well i call and get a nice guy name Adam, sounds like the guy i always get lol. Tell him im looking to see if any answer to my recon , says sure let him investigate, asks a few things from the application, and puts me on hold a couple minutes.
When he comes back, he informs me they can approve me a new cl of $1500 !. OH YEAH, ill take it. Its not a 5k or 10k increase but for me this is like scoring a C$R, progress
. Oh and it gets better. He even said my new APR. will be 15.99%, my lowest limit yet
. I didnt even ask for that.
Im super happy that i didnt waste another hp but i will take lessons from this. Next time im gonna make sure my report is up for inspection before next cli request
.
Data points , maybe off as im not sure if the 699 from the original denial letter is actual EQ Fico, 5 or 6 inquiries( this could also be off as i think i should have at least 20 on EQ, but for some reason last report only showed these ( happy if those other were lost
). Nextgen, disappointingly dropped from 695 to 693 on most recent update.
Thanks again everyone for the support. Really means a ton as sometimes that support is just enough to give AVJ a good kick in the caboose to find that extra courage. Enjoy your Sunday and keep searching out your credit dreams, sometimes they do come true lol