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Approved for Hooter's MC

New Contributor

Approved for Hooter's MC

Hey guys,
Applied the 21st, and just couldn't wait for the 7-10 day letter. I called them up and was told I was approved for $1000 CL on the 24th. This will lower my current UTI to around 60% from previous 95%. I wonder what kind of score increase this will translate to.

They pulled my TU report. I have a chpt 7 BK discharged on 02/06.

Thanks again to the forums and everyone here Smiley Happy

-d

Message Edited by onehotcuban on 09-26-2007 08:27 PM
19 REPLIES
Senior Contributor

Re: Approved for Hooter's MC

sweet!
Established Contributor

Re: Approved for Hooter's MC

very nice! any baddies?I been turned down 2 times....Just will wait maybe 4 months when my 2 are gone and bring my utility down...Congrats.
TU 662 EQ 644
EX 643
Valued Contributor

Re: Approved for Hooter's MC

Wonderful news.  I think you will see some raise in score, but it might be offset by the lowering of the average age of accounts.  Either way, it should eventually help the score rise.  I am sure you have read this in the forums, but really try to get the utilization between 1 - 9%

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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New Contributor

Re: Approved for Hooter's MC



bren39 wrote:
very nice! any baddies?I been turned down 2 times....Just will wait maybe 4 months when my 2 are gone and bring my utility down...Congrats.





Thank you!
I have currently 2 PIF coll (one from last year, the other one from 2001), a 30 day late on June 06 and a discharged BK on 02/06.

-d
New Contributor

Re: Approved for Hooter's MC



John060675 wrote:
Wonderful news. I think you will see some raise in score, but it might be offset by the lowering of the average age of accounts. Either way, it should eventually help the score rise. I am sure you have read this in the forums, but really try to get the utilization between 1 - 9%





Thanks. I'm working towards that 1-9% UTIL Smiley Happy

-d

Re: Approved for Hooter's MC

Hooters SUCK *no pun intended*. They only gave me a $500 CL.
Frequent Contributor

Re: Approved for Hooter's MC

Way to go!  Smiley Very Happy
10/22/07 (FICO) EQ 544 EX 520 TU 518
03/04/08 (FICO) EQ 606 EX 599 TU 601
04/24/08 (FICO) EQ 600 EX 580 TU 608
06/02/15 (FICO) EQ 578 EX 561 TU 589
Established Contributor

Re: Approved for Hooter's MC

I just applied and it said I was approved, but said it would be 7-10 days while they check all my information. Is that pretty standard? I have never been approved on-line before.
Barclays US Air $17K| TTCU $15K| Citi Diamond $10.5K| Discover IT $9000| CapOne $2K| Best Buy $2K
Senior Contributor

Re: Approved for Hooter's MC

it's happened before. give it a couple of days and call, they should tell you something. good luck!