Credit Card Center Advertiser Disclosure

Reply
Contributor
Posts: 84
Registered: ‎09-12-2012
0 Kudos

App Spree

I went on an app spree hoping to add more positive accounts.

 

Old Navy-denied, recon denied

Citi Bank-denied

Cap One-Unsecured approved $500 CL

Kohls- Approved $300, Soft-pull!!!

Langley Federal Credit Union-denied, recon denied

 

Starting 8/12 EQ- 522, TU 542. Current 5/14 EQ-664 TU-686 EX-unk
Goal to keep building up my credit.
Established Contributor
Posts: 507
Registered: ‎10-02-2012
0 Kudos

Re: App Spree

Langley FCU....you're from Hampton, Virginia? I had an auto loan with them back in 2000, good credit union. What was e reason for the decline?
Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

Re: App Spree

Sorry about the denials.
Do you mind sharing your cr profile? Baddies, inq's, other cc's?
Established Contributor
Posts: 600
Registered: ‎04-30-2013
0 Kudos

Re: App Spree


buckeyelady84 wrote:

I went on an app spree hoping to add more positive accounts.

 

Old Navy-denied, recon denied

Citi Bank-denied

Cap One-Unsecured approved $500 CL

Kohls- Approved $300, Soft-pull!!!

Langley Federal Credit Union-denied, recon denied

 


Hello,

 

Sorry about the denials, but congrats on the approvals!! How did you manage the Kohls with on a SP?

Starting scores 12/1/15 EQ 601, TU 626, EX 601

Current Scores 9/17/17 EQ 686 TU 702 EX 655 Goal 700+ across
UTL 7%
Last Inq: 9/20/17
Contributor
Posts: 84
Registered: ‎09-12-2012
0 Kudos

Re: App Spree

I have a ton of 90& 120 lates from SL-from 2010

1-Unpaid medical collection -from 2011

1-Unpaid VA debt- reports as a 120 late installment loan. Not sure why, its a GI Bill overpayment.

2 never late  secured credit cards-opened in 2012

fingerhut card never late- opened in 2012

1 vehicle loan never late -opened in 2012

Starting 8/12 EQ- 522, TU 542. Current 5/14 EQ-664 TU-686 EX-unk
Goal to keep building up my credit.
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

Re: App Spree

Contributor
Posts: 84
Registered: ‎09-12-2012
0 Kudos

Re: App Spree

They did not go into default. I've been current for 3 years.
Starting 8/12 EQ- 522, TU 542. Current 5/14 EQ-664 TU-686 EX-unk
Goal to keep building up my credit.
Contributor
Posts: 84
Registered: ‎09-12-2012
0 Kudos

Re: App Spree

I checked my inquiries and Kohls was list as a soft pull the day I applied for credit.
Starting 8/12 EQ- 522, TU 542. Current 5/14 EQ-664 TU-686 EX-unk
Goal to keep building up my credit.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.