After hitting submit, I'm waiting for the bits to go to space and back and give a result. When the page reloads, I visibly jump, curse under my breath, and am staring at the screen with elevated heart rate when my son ask's me if I had been "jump scare'd".
I deny the amount of reaction his recreation included, but, yeah, that.
They pulled EX(wasn't expecting that), and approved her for $1200.
She's had an OpenSky for about a month, has two student loans she's only made one payment on so far(just graduated).
Her EX FICO 08 is 707: 0 current/1 total HP, 0% UTI, 1 open cards, 7y 9m AAoA, 17y 3m AoOA
(I know, Barclay's, CLD, etc. No spree's planned, this is strictly rebuilder. Her other two reports have 1 and 2 open collections, each.)
Congrats on the approval! Sounds like DW’s Experian is in decent shape. Is Amex a consideration?
@Anonymous wrote:If she is truly reporting 0% utilization, her FICO8s are lower than they need to be. Follow the AZEO Method as listed in my signature link 11 rules.
I know, I know, it's harder to get that where you want it when there's only 1 card with a $200 limit. That card goes in the fire safe now.
@K-in-Boston wrote:
Congrats on the approval! Sounds like DW’s Experian is in decent shape. Is Amex a consideration?
I was holding off on that one for a bit longer. On 2017-10-28, I got this from their prequal page(I didn't record the interest rates, I'll do better next time):
BCE: no intro apr, no bonus
EveryDay: no intro apr, no bonus
Green: no bonus
When I put my info in right now, I get:
EveryDay: 15k MR for $1k, 0% apr for 15 months, 17.99% apr
BCE: $150 cash back for $1k, 0% apr for 15 months, 17.99% apr
Gold Delta SkyMiles: 35k miles for $1k, no intro apr, 16.74% apr
I'm not greedy about it, I'd just like a bit more assurance that they are ready to accept her.