Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
So a bit of an update. Called the recon line and I was declined due to too many inquiries. Discover, Amazon, and Walmart all within a few months. Along with one credit agency pull. I had to call THREE TIMES but used the information each rep gave me to better sell myself to the next rep I got. Finally I got a lady who put me on hold for a bit after asking a few questions. Had to explain about a judgment that was paid some years back and finally confirming the address. She said she was going to put in for a conditional approval for a limit of $500 and that I would need to call the verification number on Monday.
Is this it? Does that mean I am approved?! Should I start celebrating?!
PleioneG wrote:So a bit of an update. Called the recon line and I was declined due to too many inquiries. Discover, Amazon, and Walmart all within a few months. Along with one credit agency pull. I had to call THREE TIMES but used the information each rep gave me to better sell myself to the next rep I got. Finally I got a lady who put me on hold for a bit after asking a few questions. Had to explain about a judgment that was paid some years back and finally confirming the address. She said she was going to put in for a conditional approval for a limit of $500 and that I would need to call the verification number on Monday.
Is this it? Does that mean I am approved?! Should I start celebrating?!
Congrats! I would be celebrating for sure!
chnceit wrote:
PleioneG wrote:So a bit of an update. Called the recon line and I was declined due to too many inquiries. Discover, Amazon, and Walmart all within a few months. Along with one credit agency pull. I had to call THREE TIMES but used the information each rep gave me to better sell myself to the next rep I got. Finally I got a lady who put me on hold for a bit after asking a few questions. Had to explain about a judgment that was paid some years back and finally confirming the address. She said she was going to put in for a conditional approval for a limit of $500 and that I would need to call the verification number on Monday.
Is this it? Does that mean I am approved?! Should I start celebrating?!
Congrats! I would be celebrating for sure!
You're right! Called again just to confirm and they said as long as we do the verification thing Monday, we're good to go. AHHH SO EXCITED!
Could not have done it without the forums. I remember coming here worried about our auto loan and here we are months later stoked over a prime card. I'm so ready to take the next big challenge in two years.
Glad to hear of your approval. 
Don't forget to enroll in the quarterly 5% rewards when you set up your accounts online. Chase has 5% cash back on gas and drugstores for this first quarter of 2013. Good timing on the drugstore rewards since flu season is upon us!
When you applied for the Freedom, were they offering the $100 cash back for spending $500 in your first 3 months? That's the offer they had back in November when I did my app.
Again, congrats on your approvals - nicely done!
Congratulations! Those are a couple of very nice cards, and I'm so happy to hear that the recon worked out for you. Take good care of them, and enjoy!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
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