08-15-2012 08:55 PM
Had a 699 EXP score in July with a 9% util ratio. Could't squeeze an extra point anywhere... I also just took the 0% cash option
08-16-2012 09:07 AM
10-07-2012 02:16 PM
I got mine 3/2012. 8300 CL. FICO was 757
10-08-2012 01:02 AM
Right now I'm sitting at a 654 TU score with just under 4 years of History 10% Utilization.
Did you app???
10-08-2012 10:08 AM
I got approved towards the end of August. 723 EQ and $6800 CL.
10-08-2012 12:36 PM
12-09-2012 08:56 AM
I received a pre-approved offer in the mail from Citi in September. Applied for the Diamond Preferred and was instantly approved for $2k. My FICO was somewhere around 670, maybe a little less. I had just app'd for Discover More and GE store cards at the time and were approved for all of them as well. I'm not sure how many inquiries I had on my report at the time, but there were at least a few.
12-09-2012 01:02 PM
I just got an offer in the mail, I currently have a 650 with EX, with 38% utilization. I have till Feb 2013 to submit according to the preapproval letter. I'm going to wait till I pay down on my balances and make utilization 0% plus I have 4-5 queries that are dropping off in about 2 weeks.
According to my report Citi ran my credit back in August 2012 when i had 658EX.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.