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Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Big News from my App Spree

Well, after the excitement of getting the initial approval for my BCP, I forgot to call about the terms of my account. Yesterday I received a letter from Amex welcoming me and giving me notice that my application was approved. I didn't get it until today because I was away visiting family. Anyway, the letter also included my EX FICO score! It is presumably because I didn't get the best interest rate available, but that's fine by me because my EX FICO score is:

 

780!!!!

 

All of my card approvals were based off of my EX report, so this is huge news to me since my EQ FICO is only 754. I will probably call tomorrow morning to find out what the terms of my BCP are, but I know that I got the best terms available on the Chase Freedom. I will also call Citi to discuss the terms on my Forward. I love that all 3 pulled EX since the score is higher. This may be the last time I ever receive my EX FICO score, so this is huge for me


In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
New Member
iPeaches
Posts: 15
Registered: ‎12-22-2012

Re: Big News from my App Spree

Wow! Congratulations on an excellent score! Makes me want to check my EQ score (right now, I only know EX)

Wallet: Chase Sapphire Preferred (10k), Capital One Venture (5k), Citi Simplicity (2k)


Starting Score: 669
Current Score: 747
Goal Score: 790

Take the myFICO Fitness Challenge
Valued Contributor
kevinjjc
Posts: 1,301
Registered: ‎01-14-2009

Re: Big News from my App Spree

Nice score, congrats! I'm so happy for you!

Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Big News from my App Spree


iPeaches wrote:

Wow! Congratulations on an excellent score! Makes me want to check my EQ score (right now, I only know EX)


How did you get your EX score?


In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Big News from my App Spree

I'd say from a lender pull.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
kevinjjc
Posts: 1,301
Registered: ‎01-14-2009

Re: Big News from my App Spree

PSECU member?

Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Big News from my App Spree

Forgot about psecu. Rarely hear about them anymore ever since they tightened up the membership requirements.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Big News from my App Spree

Who knows? - maybe iPeaches has discovered a completely new way to get the EX FICO. This is why I ask. If nothing else, it would be good to know which lender pulled and reported the score. I'm all about trying to find as much information as possible for the use of others.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Big News from my App Spree

Very nice score, Congrats! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: Big News from my App Spree

Impressive....Congrats!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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