App Spree

[Anonymous]

WOW, now that's the craziest thing I have every seen! 

Why would you do so many I mean what's the point?

[Middleswarth]

The point is I did/do not expect the get approved for most (I applied for many prime cards without a prime score).  The ones that do approve me will all age together and all of the INQ will be removed together.  My FICO score goal is to have a great score in 2+ years.  I'm not too concerned about it right now.

Plus, I bet my score will not drop all that much.  I'm betting when I check again in a couple months it will still be 650 or more.  I say this because the AAoA will not be drastically altered.  My oldest existing CC are 9 months old.  I have 5+ paid off accounts that are 5-7 years old...

[Smerri1029]

What were AmEx's reasons for denial. May be worth a recon there because that would be a nice card to age with you and in a few years if you were to apply for another one it would be backdated to 2012 on the credit reports.

[Middleswarth]

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@Smerri1029 wrote:

What were AmEx's reasons for denial. May be worth a recon there because that would be a nice card to age with you and in a few years if you were to apply for another one it would be backdated to 2012 on the credit reports.

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Not sure yet.  I will get the denial letter in a week or so.  I will probably recon that one since it is AmEx.  It would be nice to build a relationship with them.

[rootpooty]

what does your AAOA say on your reports?

[Middleswarth]

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@rootpooty wrote:

what does your AAOA say on your reports?

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TU: 2 Years (oldest account is 5 years, 4 months)

EQ: 3 Years (oldest account is 6 years, 9 months)

[rootpooty]

have you heard anything from the nfcu app?

[Middleswarth]

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@rootpooty wrote:

have you heard anything from the nfcu app?

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Nothing. I signed into my account this morning and didn't see any messages either.

I did get an alert this morning from USAA credit monitoring.  It seems like NFCU pulled a 2nd INQ on TU.  Not sure what that means....

[Crashem]

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@Middleswarth wrote:

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@rootpooty wrote:

have you heard anything from the nfcu app?

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Nothing. I signed into my account this morning and didn't see any messages either.

I did get an alert this morning from USAA credit monitoring.  It seems like NFCU pulled a 2nd INQ on TU.  Not sure what that means....

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First is usually for membership.  2nd pull is usually the credit pull.  I think you will hear something today or tomorrow.

[rootpooty]

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@Middleswarth wrote:

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@rootpooty wrote:

have you heard anything from the nfcu app?

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Nothing. I signed into my account this morning and didn't see any messages either.

I did get an alert this morning from USAA credit monitoring.  It seems like NFCU pulled a 2nd INQ on TU.  Not sure what that means....

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they pull tu for membership and eq for cc. however if they are iffy and borderline approval they will pull tu AGAIN. this happened to me when i joined and when i asked why thats what i was told. on both my cards with them i apped way early in the morning then got the 3-5 day message but the same day i called and requested card services and did a follow up. i was given an approval both times and if they need any additional info they can take it right then and there