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

Regular Contributor

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

Daaaang. Nice going!

Message 21 of 26
Valued Contributor

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


zeusta20 wrote:

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.


Lol, that's cuz you don't wanna say "I live near sacremento". Bay area sounds a little better Smiley Tongue

 

I like the vacaville shooting range, but it is a drive for me.

 

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 22 of 26
Valued Contributor

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


youngandcreditwrthy wrote:
@chris-my credit score is my retirement haha:-p

Haha, don't count on it.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 23 of 26
Established Contributor

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


Dustink wrote:

zeusta20 wrote:

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.


Lol, that's cuz you don't wanna say "I live near sacremento". Bay area sounds a little better Smiley Tongue

 

I like the vacaville shooting range, but it is a drive for me.

 

 


hahaha...yea, true.haha. BUT, when I tell people where I'm from when i'm out of town, I say directly in the middle of SF and Sacramento. But If I were to choose between going towards the SF area or the Sac area, I'd run far away from sac.lol.

Chase Sapphire Reserve-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 24 of 26
Valued Contributor

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................................

 

 


 3-13-13 I'd say "13" is your lucky number ! !

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 25 of 26
Established Contributor

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

Holy smokes! A big congrats to you! Now take those limits and build yourself a nice house in the garden! Smiley Wink

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 26 of 26