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Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts


Bay_Area_Joe wrote:

To the members of the Forum…

A few of you have looked at my posts in the past and provided input and I thank you. 

With all I have learned in the past 6 months here.  Here are my MyFICO stats.

Total Page Views

7489

Total Messages Read

26364

Topics Started

22

Replies

57

Blog Articles Posted

0

Blog Comments Posted

0

Total Forum Views

2696

Total Logins

258

Total Minutes Online

21947 = 365 hours

 

So, I did my first ever APP Spree on 3-13-13.  I kind of liked 3-13-13 format. All done with in one hour.

Here is what I did.

Pen Fed Cash Rewards Visa.  Instant Approval of 19k, EQ Inq.

Pen Fed Personal LOC asked for 25k, Counter offered 20k, accepted, same EQ Inq.

Citi Hilton Honors, Got message, called in and verify a bit of info, Approved 15k, EX Inq.

Sams Club Discover, Got email approved, called in 1.5k credit recon to 3k, TU Inq.

Chase Prioirty Club, called in automated status Approved, 8.4k, EX Inq.

Amex Hilton Surpass, Instant Approval, only 2k, but maybe 61day 3X,  EX Inq.

B of A Hawaii Visa, Approved 5k, but 2 HP’s one on TU Inq, 1 on EX Inq.

 

But, add them, 7 accounts approved in a matter of a few days, total CL of $72,400

 

Took 4 Exp Inq. 1 EQ Inq, and 2 TU Inq.

 

After the two Inq on TU, I had 0 prior, MyFICO TU is 784, UTL is 7%, one account w/ bal.

After the one Inq on EQ, I had 4 prior, MyFICO EQ is 774, UTL is 7%, one account w/ bal.

 

After the four Inq on EX, I had 9 prior in last 12 months (so now 13) My Experian Score is 742.

Smart Credit has me at 776, with the 2 new Inq on TU

Credit Karma has me at 747 with the 2 new Inq on TU

 

Now I will wait to see the damage in all these new accounts reporting.  The only great thing is the Amex Hilton Honors will be backdated 22+ years and that will save my AAoA and make it about 3.3 years.

 

Total available credit line is an eye popping $ 144,350.00

 

My income is $104,000 per year.

 

I never thought it was possible. I owe it all to this Forum.

 

I would happy to provide other app stats if somebody wants.

 

There is really nothing else I can do or want to do at this time.  I am in the Garden for a long long long time.

 

I am going to nurse the lines along and have positive history for a long time.

 

I will now have a total of 19 accounts(2 of are LOC), which is too many to start with.

 

I have one paid in full auto loan back in 2006 and one current auto loan that is almost 50% paid off.

 

I am speechless................................

 

 


HEY! I just noticed your user name...I'm from the bay area too. Good to know a myFico member is near.haha.

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

I have always wondered how long people spend on this site. LOL, I am so glad I am not the only one that has spent insane amounts of time on this site. Sometimes I feel like I have no life!!! BTW~ Congrats! 

 

 

Mine!

 

Total Page Views22640
Total Messages Read62908
Topics Started40
Replies527
Blog Articles Posted0
Blog Comments Posted0
Total Forum Views7072
Total Logins435
Total Minutes Online97700

100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
New Contributor
Axa
Posts: 141
Registered: ‎02-20-2013
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

Gotta love those LOC. Big kudos.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

Awesome congrats bro!! Garden time.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts



HEY! I just noticed your user name...I'm from the bay area too. Good to know a myFico member is near.haha.


>>>>>

 

I'm in SF

&

Congrats to OP

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
VirtualCuriosity
Posts: 677
Registered: ‎09-10-2010
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

Garden for life now lol.


TU98 700, TU08 700, EQ 733, EX 706 (As of 8/2014) - Personal Goal = 760+

Gardening since 8-1-14












Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts


Dustink wrote:


HEY! I just noticed your user name...I'm from the bay area too. Good to know a myFico member is near.haha.


>>>>>

 

I'm in SF

&

Congrats to OP


Really?? nice! lol. I'm in Vacaville, the "CUSP"...now Vacaville is considered the edge of the SF bay region.

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Established Contributor
Chris123nTx
Posts: 500
Registered: ‎05-11-2007
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

That is awesome! I have just short of 100k available and and shake my head in wonderment all the time. Few years back places were closing cards and cutting credit limits. My docs ever tell me i am going to kick the bucket soon, i may have to see how mjch of it i could use before they all cut me off lol....
Established Member
ttaurean30
Posts: 38
Registered: ‎03-16-2013
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

Wow, congrats!!

Rebuilding since BK Discharge on 09/2006
Gardening Since 02/19/2013
Credit.com (707) Credit Sesame (801) Walmart (709) Credit Karma (688) Quizzle (714)


Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: $72,400 in App Spree on 3-13-13, 7 accounts

@chris-my credit score is my retirement haha:-p
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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