I was approved for hilton surpass with 674. Income >100k, DTI 28%, Zync x 4 mos. Initial CL 1000. I have 3 COs from 2006 (reporting as 2007, but I'm disputing), a paid collection for one of the COs and a paid student loan previously in default all on EX. AAoA 6yrs, Oldest account 11.5 years. 4 inq at time of app.
Side note: They pulled EX for the approval, but had been softing TU for several months (no EX softs). My TU doesn't have the bad student loan and has only 3 of the COs. Also has a year higher AAoA due to selective reporting of my student loans. So I keep wondering if they actually approved me based on TU report, then pulled the EX post-approval.
Cdnewmanpac wrote:I was approved for hilton surpass with 674. Income >100k, DTI 28%, Zync x 4 mos. Initial CL 1000. I have 3 COs from 2006 (reporting as 2007, but I'm disputing), a paid collection for one of the COs and a paid student loan previously in default all on EX. AAoA 6yrs, Oldest account 11.5 years. 4 inq at time of app.
Side note: They pulled EX for the approval, but had been softing TU for several months (no EX softs). My TU doesn't have the bad student loan and has only 3 of the COs. Also has a year higher AAoA due to selective reporting of my student loans. So I keep wondering if they actually approved me based on TU report, then pulled the EX post-approval.
It's posts like this that frustrate me. I've had my zync for almost a year now, ex score is in mid 700's with a decent income. Util is around 3%. I still can't get approved for anything else. All cr's are totally clean. AAoA 4 yrs. oldest is 10 years. I know it's my inquires holding me back but honestly, (no offense intended) who is the bigger risk?
Starting Score: 617 EQ 10-17-11
No offense taken, but to be honest, you have no idea whether I'm a higher risk than you. You know my EX fico and yours. The fact that I have a large mortgage from WF private mortgage, have had mortgages from prime lenders for over 10 years, had never missed a single payment on anything until or since 2006, have a visa signature from Chase, a world mc from USAA, a personal loan from USAA, over 100k of student loans that have been paid back within the last 10 years, all except the perkins loan with perfect payment, a history of charging up to 15k/month on my zync, etc. doesn't show up in a score. I had problems paying my debts for 6 months 6 years ago, but zero problems before or since. Perhaps Amex, Chase, USAA, Discover and Wells Fargo took that into account when approving me.
Jake0215 wrote:It's posts like this that frustrate me. I've had my zync for almost a year now, ex score is in mid 700's with a decent income. Util is around 3%. I still can't get approved for anything else. All cr's are totally clean. AAoA 4 yrs. oldest is 10 years. I know it's my inquires holding me back but honestly, (no offense intended) who is the bigger risk?
If that's the case good for you, however, post the whole story, not one that highlights the fact that u got an Amex revolver with a bunch of negative marks on your report. The point is that most people with sub 700 scores would be wasting a hard pull. Way to go on all your awesome approvals... Your case clearly makes you an extreme outlier. The point of my post was to stop giving others false hope.
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