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Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

Re: Approved for Citi Diamond Preferred!


LionLaw wrote:

Update: Citi pulled EQ.  Somehow, this caused my EQ FICO to go up 3 points (648->651).

 

I'm excited to see what my score bump will be next month; my util will go from $1700/3500 to $30/4000, and that's before my new Citi card even starts reporting.  Any guesses?


Really? Nice! What does your report look like? Any baddies?

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Frequent Contributor
LionLaw
Posts: 258
Registered: ‎06-10-2012

Re: Approved for Citi Diamond Preferred!

Only negative indicators are from late payments on SLs, but those have multiple 120+ lates, with the most recent reporting in Sept '11.  Two open CCs and two closed CCs reporting, all with perfect payment histories; average age of those is about 5 years (oldest is 11 years, youngest is 7 months).  Auto loan opened in April.  Overall AAoA is 5 years.


Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)


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