Reply
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: 27,022
Registered: ‎02-07-2013
0

Re: Almost there...

What was your score

+ Chase ink =




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: 27,022
Registered: ‎02-07-2013
0

Re: Almost there...

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

+ Chase ink =




Established Contributor
Posts: 712
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 VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,982
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 |

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.