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Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: CSP is easier than I thought! Incredible details....

Forgive my rush post... proofreading!
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: CSP is easier than I thought! Incredible details....

The interesting detail is That A month ago i was denied the freedom. because of too many new accs number if inqs... derogatories.. and now I was almost approved for csp.... looks like you are better aiming high than low in today times. ...
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: CSP is easier than I thought! Incredible details....


migo13 wrote:

Painful... to... read...


+1. At least I'm not the only person who thought this. A bit more clarity in the OP's post might have made it easier for others trying to give advice.

FICOs: EX: 826, EQ: 817, TU: 810
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Member
Posts: 14
Registered: ‎03-09-2013
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Re: CSP is easier than I thought! Incredible details....

The only thing I found incredible was the (from my humble opinion) amount of INQs. Wow. And probably credit cards, I certainly couldn't imagine ever having that many.

Scores:

3/9/13 FICO:
EQ - 743
TU - 763
EX(CreditInform FAKO) - 768
Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
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Re: CSP is easier than I thought! Incredible details....


PaperOrPlastic wrote:

The only thing I found incredible was the (from my humble opinion) amount of INQs. Wow. And probably credit cards, I certainly couldn't imagine ever having that many.


I have 30 and still want more lol.

Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: CSP is easier than I thought! Incredible details....

The whole conversation with the credit analyst was very interesting as there was no question of my two inqs for Bofa and Amex two days earlier...and my 13 new accs this year. .. im planning to call to Reconsider in about two weeks...
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Epic Contributor
Posts: 22,732
Registered: ‎10-23-2007
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Re: CSP is easier than I thought! Incredible details....

If you got 1 analyst close to a yes... call back for another and push! and if they say no... call again... don't apply again... i hate nothing more than when a credit analyst tells me I have to many INQ's and then in the next sentence "Apply in 30 days, or call us back after you pay? that won't update right away, so they will have to have you apply again!"

ask them to pull another report if they are only pulling EX, Chase usually will pull TU for recon... that better?

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
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Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
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Re: CSP is easier than I thought! Incredible details....

Wut. We should make this thread a sticky.

 

"I almost slept with a Playboy model last night. We made eye contact for a brief second."

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
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Re: CSP is easier than I thought! Incredible details....


bribro wrote:

Wut. We should make this thread a sticky.

 

"I almost slept with a Playboy model last night. We made eye contact for a brief second."


OMG Bri, me too! lol 



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Senior Contributor
Posts: 3,785
Registered: ‎10-02-2012
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Re: CSP is easier than I thought! Incredible details....

WOW well this shows us how flexible Chase reps are, and how they expect for you to ask for a recon.

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Banking with Wells Fargo. No Delinquencies of any sort. Gardening Since 02-01-15.

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