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Established Member
drudown
Posts: 48
Registered: ‎05-27-2011

Re: Barclay, chase, gemb. App spree!!!

[ Edited ]

injustifiiable wrote:

drudown wrote:
Bama, thx ill call them. Didn't get an Amex though.... No more annual fees for me, so I will not go for a charge card.

You should see if you can get approved for the Zync. It's a charge card but it's AF starts at only $25. Their cheapest offering and your IN with AMEX for the future!


I got offers for zync, gold and green from them in the mail a few months ago. I just don't care for an annual fee and not having a set cl, I'd be sweating every time Id hand that thing over to someone to swipe. The only Amex I really care for is the one Fidelity offers.
Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Moderator
Revelate
Posts: 8,447
Registered: ‎12-30-2011

Re: Barclay, chase, gemb. App spree!!!

[ Edited ]

drudown wrote:
According to usaa ccm. Barclays-tu. chase-exp. gemb-tu. location HI. So, chase extended credit with an outstanding medical collection. Does anyone know when these credit companies do a hp if they get the full report or just a 2 year report like you'd see at usaa ccm?

Huh, you only get 2 years of history on the USAA CMS?  The only thing FICO wise at the 2 year mark in terms of reporting at least, is that inquiries drop off.  I'm stunned you don't get the full report out of USAA... is that really the case?

 

Lenders absolutely get the full report :smileywink:.  

 

Anyway, regarding medical collections, anecdotally it appears as though lenders don't view these as anywhere close to the same degree of negativity as "regular" collections from an underwriting perspective.  The full affect on your score, doesn't appear to be calculated in the internal models many lenders appear to be using to judge creditworthiness beyond all things FICO.

 

Also regarding the no paragraphs thing, posting from an iPad or other tablet / smart phone devices possibly loses some of the formatting.   

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Mega Contributor
Creditaddict
Posts: 18,951
Registered: ‎10-23-2007

Re: Barclay, chase, gemb. App spree!!!

For sure call backdoor number for Lowes now - use the business one if you have to, they transfer to correct place but think actually it's one of the cards that business part can handle and help with personal.. and with lowes it always seems to be identity verify and bam approved!

Also I would suggest calling back door for the Barclay and asking to review for higher limit... They are known for doing this A LOT! and they are only suppose to increase or not offer, they don't take away!

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Established Member
drudown
Posts: 48
Registered: ‎05-27-2011

Re: Barclay, chase, gemb. App spree!!!

Went ahead and called the backdoor number. Lady was nice enough, she pulled up my file, but told me there was nothing she could do and I needed to wait for the letter to arrive and then take further action. Does this sound like a denial? Number I called 866 519 6441.
Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Mega Contributor
Creditaddict
Posts: 18,951
Registered: ‎10-23-2007

Re: Barclay, chase, gemb. App spree!!!


drudown wrote:
Went ahead and called the backdoor number. Lady was nice enough, she pulled up my file, but told me there was nothing she could do and I needed to wait for the letter to arrive and then take further action. Does this sound like a denial? Number I called 866 519 6441.

I would call back, You were given the 7-10 online and you called and asked if they needed more info and stuff and she wouldn't say you were declined just wait for letter?

That is the point to call her!! They do decision instantly over phone and if it's declined by computer you can get a manual review by her... if she is asking any questions or stating denied... I would want another rep to walk through it with me.

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Established Member
drudown
Posts: 48
Registered: ‎05-27-2011

Re: Barclay, chase, gemb. App spree!!!

[ Edited ]
Yes, I called and said I wanted to know the status of my app, asked if they needed to verify any info. She said she'd look into it to see if there was anything she could do, asked for my SS#, pulled up my file, and said unfortunately there's nothing I can do right now, you'll have to wait for the letter and proceed.... Something along those lines. Does it really matter though? Other than not wanting to wait to find out if I was approved or not? The decision has been made correct? I mean if denied I could always recon, which I've never done.. This was my first time calling a for an app status... Maybe I didn't say the right stuff or wasn't stern enough. Nice lady though.
Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Mega Contributor
Creditaddict
Posts: 18,951
Registered: ‎10-23-2007

Re: Barclay, chase, gemb. App spree!!!


drudown wrote:
Yes, I called and said I wanted to know the status of my app, asked if they needed to verify any info. She said she'd look into it to see if there was anything she could do, asked for my SS#, pulled up my file, and said unfortunately there's nothing I can do right now, you'll have to wait for the letter and proceed.... Something along those lines. Does it really matter though? Other than not wanting to wait to find out if I was approved or not? The decision has been made correct? I mean if denied I could always recon, which I've never done.. This was my first time calling a for an app status... Maybe I didn't say the right stuff or wasn't stern enough. Nice lady though.

you should call at least 2 with Barclay for recon.

You don't need the letter if you are aware of what's on your file and have seen it recently... usually if I get one of those wait for the letter, im like why wait, is it blah blah issue or blah blah B? If still denied what would Barclay like to see changed on my report before I apply again? sort of thing like that.

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Established Member
drudown
Posts: 48
Registered: ‎05-27-2011

Re: Barclay, chase, gemb. App spree!!!

I don't want to call Barclay. I've read they don't like to see recent inq's. I apped for chase, lowes and Barclay the same day. I'm happy enough with the 1800 form Barclay for now. Ill call them in a year or so if they don't auto cli me. Thanks creditaddict.
Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Established Member
drudown
Posts: 48
Registered: ‎05-27-2011

Re: Barclay, chase, gemb. App spree!!!

Got the letter in the mail, approved but need to call in to verify info. 3k cl with lowes gemb.... Yeah!!!! More than I think I'll need from them. Went from a $1000 total loc to $6800 total!!!! All thanks to myfico and the cap one secured card. Woooo!!!!
Sorry cant do paragraphs. Posting from an iPad, for some reason the return key doesn't work on Myfico forums.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Barclay, chase, gemb. App spree!!!

Congrats!!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
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