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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Almost there...

I apped for BCE denied (sp) reason… your fico score is too low. Well that kinda felt like a good denial letter

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Almost there...

What was your score

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Re: Almost there...

641

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Almost there...

A little more time and im sure you'll be there...good luck

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Established Contributor
Posts: 711
Registered: ‎06-11-2012
0

Re: Almost there...

I think you need at least 720. 641 is borderline approval for their charge card.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,964
Registered: ‎02-09-2012
0

Re: Almost there...

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Almost there...


Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


246 OPEN accounts?! HOW?
Paying those bills and sorting out those statements alone is like a full time job. :smileyvery-happy:

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 591
Registered: ‎05-05-2012
0

Re: Almost there...

Give it a few more months and you'll be golden for approval.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: Almost there...

If it was experian, you now have 3 months of free daily report access. Congrats!

DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Frequent Contributor
Posts: 351
Registered: ‎01-07-2012
0

Re: Almost there...


Repo-ed wrote:

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.


Too funny.  I haven't been on this board in since I bought my house a year ago - but I remember appbar.


| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |


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