06-18-2013 07:33 AM
OP, I think you might seriously have an app'ing problem. I don't come on the boards that often, but I remember you for the crazy high number of inquiries you had/have. I'd suggest adblocking anything that looks like it might be a CC app. Take care of the cards you have and GARDEN. No lender is going to take you seriously once they see how many times you've sought out credit. Quite frankly, the fact that you haven't had AA from your current lenders is shocking imo.
I'd even suggest avoiding the MyFico boards once you've finally decided to stop apping. This place can sometimes be triggering to app, especially when you see the success stories for others regarding approvals and CLIs.
06-18-2013 07:43 AM
Alright, TU is locked down now. No more inquiries!!
Good for you..if you have impulse tendencies then sometimes you have protect yourself from yourself.. I think we've given you all the tough love you need, now get back to the garden at once!!!!
06-18-2013 09:23 AM
So I know, I'm supposed to be gardening, I apped for the BCE and they pulled TU and denied me a couple of days later. They said my internal risk score was high, too many recent accounts opened, and too many inquiries, and they said my TU score of 717 was too low. I called the recon # I found on here, and told them that I regretted closing my Zync card, and regretted losing my relationship with Amex, I told them I would be fine with a $500 starting limit so I could be back with such a great company. Boy I laid it on thick lol. So he submitted my app for re-evaluation. Does anyone think I have the slightest chance of being approved even with a $500 limit. I also realize that if approved I will probably get auto FR'ed which this time I will fill out the form. And if denied again, should I call their exec #?
I know this is not OP with 82 INQ'S
I have been in your corner the hole time but I must tell you the truth at this point.
Are you serious your just asking for trouble doing any app's are you looking to lose accounts due to AA,FR?
For your own good stop
+1...I will have to agree.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO