06-14-2013 05:19 AM
my experience with the capitol one pre-approval letters....... they must just mass send. i litterally get 3-5 a week. sometimes 2 in one day. about a year ago i applied via the pre-approval letter, denied becuase of CH 7 discharged in 6/2004.
Thank you for the response, I decided to just stay in the garden, if what eveyone says is true I should be getting more and maybe from other companies. I may step out later when I know I have a better chance at approval. Was your BK the only reason for denial?
06-14-2013 05:20 AM
I read this entire thread ronstar
First let me add ..having that glass of wine while gardening was a very good idea..Bravo
Second since you are gardening it's the best time to work on those GW while increasing AAoA,Scores and reducing UTL.
All that being said I think you made the right choice to stay in the garden and enjoy those free drinks and I'll buy the first round Friday Night Lol
See you in the garden
P.S. More pre-approvals are forth coming in the mail and it's a direct results of your hard work so don't bite now wait on the one that's right for you!!!!!!!!!!
Thank you and that is exactly what I itend to do, I will have to get DH to shred the app for me as I cant bear to watch lol, gonna work hard and see what else comes my way. I checked my cr and saw that I actually applied to cap 1 5 months ago and got a decline so it would prob be the same now. No sense getting 3 pulls for nothing
Bravo on letting DH shred stay strong and place your drink order Friday
06-14-2013 09:31 AM
that was the only thing listed on the denial letter
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO