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Moderator Emeritus
Posts: 10,853
Registered: ‎12-30-2011
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Re: Credit App-Addiction Dungeon


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. :smileyembarrassed:. 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? :smileyhappy:

 

Multiple home / auto shopping?

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Established Contributor
Posts: 761
Registered: ‎10-16-2007
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Re: Credit App-Addiction Dungeon

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.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









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Frequent Contributor
Posts: 421
Registered: ‎12-07-2012
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Re: Credit App-Addiction Dungeon


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. :smileyembarrassed:. 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? :smileyhappy:

 

Multiple home / auto shopping?


Unfortunately no, all credit card inquiries.

Amex BCE $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Regular Contributor
Posts: 249
Registered: ‎12-24-2012
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Re: Credit App-Addiction Dungeon

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?

Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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82Re: Credit App-Addiction Dungeon

82?!!!!

 

LS have mercy!!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Established Contributor
Posts: 770
Registered: ‎09-16-2012
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Re: 82Re: Credit App-Addiction Dungeon

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.

Contributor
Posts: 92
Registered: ‎09-23-2012
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Re: 82Re: Credit App-Addiction Dungeon

I love this string!!!  I can't stop!!!!!  Help!!!!

:womanfrustrated:


Starting Score: 720
Current Score: 626
Goal Score: 700


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Regular Contributor
Posts: 146
Registered: ‎01-05-2013
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Re: Credit App-Addiction Dungeon

[ Edited ]

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!) :smileytongue:


Last app 5/7/2014

No apps until 3/31/2016!
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Valued Contributor
Posts: 2,383
Registered: ‎11-29-2012
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Re: Credit App-Addiction Dungeon

82?! I'm awe-struck. I thought I was bad at 9, with four being a car loan and one being a ca pull. Yikes.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
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Re: Credit App-Addiction Dungeon


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!)

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


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