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@ilovelisa wrote:I am so embarrassed, that I let my app addiction get this far.
I apped for a DCU Visa, a few days ago, got a message that a loan officer would be in touch with me. The next day I receive a call, the reps tells me my app was declined, and that in the past 12 months, I apparently have 82 inquires on my credit report. . But still I'm getting approved for cards. She also said, it looks as if someone may be using my credit, and I might want to look into it. I thought to myself "yea it was all me." So embarrassed.
I have to ask, how is that even possible?
Multiple home / auto shopping?
I thought I was bad with 21 Equifax inquirys. Oh well got to hit the garden for the next six months min. Than I am going to try to get the last of the missing pieces USAA American Express.
@Revelate wrote:
@ilovelisa wrote:I am so embarrassed, that I let my app addiction get this far.
I apped for a DCU Visa, a few days ago, got a message that a loan officer would be in touch with me. The next day I receive a call, the reps tells me my app was declined, and that in the past 12 months, I apparently have 82 inquires on my credit report. . But still I'm getting approved for cards. She also said, it looks as if someone may be using my credit, and I might want to look into it. I thought to myself "yea it was all me." So embarrassed.
I have to ask, how is that even possible?
Multiple home / auto shopping?
Unfortunately no, all credit card inquiries.
Bless me, Father, for I have app'd. It has been, basically, one year-long continual app spree and these are my sins:
- 17 INQs across the 3 CRAs
- 17 new trade lines (7 of which are AUs)
- 100% success rate
- CLs > gross income
- FICOs all hovering around 771
. . . and, frighteningly, still about 7 items left on my "To App" list.
I'm resolved not to app for anything at all, but for the occasional INQ-free CLI, as right now I'm pooping bullets and willing to do whatever penance to keep current creditors from not taking AA when they soft my credit reports.
Instead of the traditional Hail Mary's and Our Father's, how about some industrial strength Prozac?
82?!!!!
LS have mercy!!
Damn, I have 8 across the board because of a recent app spree. I feel guilty as hell, and am gardening until they are all gone. That's the plan anyway.
I love this string!!! I can't stop!!!!! Help!!!!
I'm telling you...I do not have an app addiction - I just like to diversify my wallet a bit~ *looks so innocent not even butter will melt in my mouth*
...and if I did, I promise you, I'll stop after the next one!! (that'll be the last one!! really!)
@john398 wrote:I apped and was approved for barclays 2 weeks ago so that kind of stopped me from applying
+1
(urge is still there though!)