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Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

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.


82?? ohhh Lord LS!!!!

 

My question my brother is

 

PASS THE LIST!! I can only manged to find 15 (my current inqs amount) of things to apply for!!!

 

Hurry pass the list I neeed some apps in my veinnn right NOOWWWW

 

Wait I think im app free for a whole year.

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.
Regular Contributor
MYCherie
Posts: 170
Registered: ‎10-08-2012
0

Re: Credit App-Addiction Dungeon

82 is alot! I was over here :smileyembarrassed: with my 29 across all.... Well I feel a little better.



Starting: 563 | Current: 646 | Goal: 750.
Garden 09/24/2013

Frequent Contributor
ilovelisa
Posts: 420
Registered: ‎12-07-2012
0

Re: Credit App-Addiction Dungeon

[ Edited ]

zerobacan 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.


82?? ohhh Lord LS!!!!

 

My question my brother is

 

PASS THE LIST!! I can only manged to find 15 (my current inqs amount) of things to apply for!!!

 

Hurry pass the list I neeed some apps in my veinnn right NOOWWWW

 

Wait I think im app free for a whole year.


Lol many of them are repeat apps. :smileyindifferent:. I think after i found this out, i'm done apping for a year.

Amex BCE $4,800 | 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
New Contributor
lawless05
Posts: 69
Registered: ‎09-13-2012
0

Re: Credit App-Addiction Dungeon

[ Edited ]

I just left the garden for 20 minutes to talk to Discover and now i have my highest limit to date 6,000! OMG I was only in the garden for 7 days but i could stop myself. that 5/5 in the past 23 day. Started at 1,500 total CL now up to 19,000CL. Feels so good to be so bad. TIme to update the siggy with strike 1 for the garden and home run for the addicts! 


Starting Score: FICO EX 580ish (JAN 2008)
Current Score: Walmart TU695 USAA EX 682 CK 657 CS 687(June 2013)
Goal Score: 740+

Last APP 4/9/13 Current Wallet: Discover It 6,000 NFCU Cash Rewards 10,000 Chase Sapphire 5,000 Wal-Mart 3,000 BoA Travel Rewards 2,500 Paypal Extras MC 2,000Capital One Platinum 1,750 USAA secured 850
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

Re: Credit App-Addiction Dungeon

Lawless05 what was ur score and inqs b4 those 22 days

Im guilty of appian for capital1 cash rewards and getting a messages. You have to wait 45 days to apply for another card.. got a platinum card last sun...
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
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Credit App-Addiction Dungeon


ilovelisa wrote:

zerobacan 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.


82?? ohhh Lord LS!!!!

 

My question my brother is

 

PASS THE LIST!! I can only manged to find 15 (my current inqs amount) of things to apply for!!!

 

Hurry pass the list I neeed some apps in my veinnn right NOOWWWW

 

Wait I think im app free for a whole year.


Lol many of them are repeat apps. :smileyindifferent:. I think after i found this out, i'm done apping for a year.


WOW 82 inquiries I actually think thats the most I read on hear. But at least they stop hurting your score after so many. And do you mean by repeat apping for the same cards when being denied?


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Credit App-Addiction Dungeon

I told myself that I was not going to apply for anything else this year. But fell off that wagon for PenFed and CITI. So I seriously need to be locked down in this dungeon starting today. CLI accross the board for me ONLY..... hopefullly :smileywink: 


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Credit App-Addiction Dungeon

hmm 11 inquries in one day sound bad? 8/30/12

ive been tamed since but jeez. 

 

20 inquries currently on all 3 reports. 

2 over a year 3 more over a year early next month for a total of 5 over a year

then ill have to wait till almost september to keep my records clear. 

 

if i joined this forum a couple years ago i must say i was basically denied every card i apped for and it was alot. due to no credit history. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
New Contributor
lawless05
Posts: 69
Registered: ‎09-13-2012
0

Re: Credit App-Addiction Dungeon


zerobacan wrote:
Lawless05 what was ur score and inqs b4 those 22 days

Im guilty of appian for capital1 cash rewards and getting a messages. You have to wait 45 days to apply for another card.. got a platinum card last sun...

The scores are the ones in my siggy for DEC. I apply for my first card DEC28(BoA) then last weeked i did the other 3 and now this one. 


Starting Score: FICO EX 580ish (JAN 2008)
Current Score: Walmart TU695 USAA EX 682 CK 657 CS 687(June 2013)
Goal Score: 740+

Last APP 4/9/13 Current Wallet: Discover It 6,000 NFCU Cash Rewards 10,000 Chase Sapphire 5,000 Wal-Mart 3,000 BoA Travel Rewards 2,500 Paypal Extras MC 2,000Capital One Platinum 1,750 USAA secured 850
Frequent Contributor
ilovelisa
Posts: 420
Registered: ‎12-07-2012
0

Re: Credit App-Addiction Dungeon


chnceit wrote:

ilovelisa wrote:

zerobacan 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.


82?? ohhh Lord LS!!!!

 

My question my brother is

 

PASS THE LIST!! I can only manged to find 15 (my current inqs amount) of things to apply for!!!

 

Hurry pass the list I neeed some apps in my veinnn right NOOWWWW

 

Wait I think im app free for a whole year.


Lol many of them are repeat apps. :smileyindifferent:. I think after i found this out, i'm done apping for a year.


WOW 82 inquiries I actually think thats the most I read on hear. But at least they stop hurting your score after so many. And do you mean by repeat apping for the same cards when being denied?


yea, like I apped for a Citi Thank you, denied, then a week and a half later apped for Citi Dividend, denied, and they pulled my credit twice.

Amex BCE $4,800 | 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

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