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Valued Member
Typogrammer
Posts: 49
Registered: ‎02-07-2008
0

Dream come true!

Quickie post here, as I have to be at work in 30 min., so here it goes:

I decided to play around with the balances I report on my Target card this month, hopefully enticing them to offer me a Visa. Since I knew updates would go out to the CRAs on the 11th, I decided to apply for a few credit cards: One from AMEX, a Discover More card, and a Bank Americard that I was 'preapproved' for online. I seriously didn't expect anything to happen, but this would give me an idea at least of what's going on.

That was three days ago. Here's what happened:

Amex flat out refused because of short history and the 90-day. Makes sense. I may recon just to talk to a real person. I could seriously (and responsibly) use that card. Or maybe we can find a card that I am approved for.

BoA can't even find my app. I haven't pulled any reports yet so I don't know if they did a hard pull or not. That's gonna munch if they did. :smileysad:

That leaves only one card, the Discover. I got the dreaded 'reviewing' message and figured I was out of luck. I got a call today which I didn't answer, but called back after figuring out who it was. Talked to the lady and I was, get this, APPROVED! The terms are slightly different from what I applied for, but I now have a real Discover card!

I'll post the terms and stuff when I get the card next week in the mail.

Yay!


2/2008 :: TU 610 :: EQ 610 :: EX 638 :: Beginning scores
2/2009 :: TU 699 :: EQ 697 :: EX 690 :: 1-year mark
2/2010 :: TU 682 :: EQ 670 :: 2-year mark
Established Contributor
so_confused
Posts: 630
Registered: ‎06-20-2007
0

Re: Dream come true!

WTG....Congrats!!!   BTW...who did discover pull?
9/18/08 TU=707 EQ=706 EX=702
Established Contributor
UpNComing
Posts: 684
Registered: ‎05-02-2008
0

Re: Dream come true!

Congrats!  Thats great!  Not an easy card to get from what I hear.
CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682
Established Contributor
unknown_entity
Posts: 853
Registered: ‎03-21-2008
0

Re: Dream come true!

Sweeeeeeeeeeeet!!!!  Congrats!!
07/26/2007 TU-688
EQ-656
EX-649
Valued Member
Typogrammer
Posts: 49
Registered: ‎02-07-2008
0

Re: Dream come true!


so_confused wrote:
WTG....Congrats!!!   BTW...who did discover pull?

I would love to know, but I don't want to spend $50 to pull my reports again, and TC won't let me sign up because my report doesn't have enough information that I can verify. (Hogwash!) I do know Amex pulled EQ, my worst score. :smileymad: So maybe Discover pulled EX? :smileyvery-happy:

I'm also interested in finding out just what caused CreditKarma to bump up my score 19 points. I don't rely on that score at all, but obviously something happened to my report. (Did Discover already report?!?)

I type too much. I think I should just sleep on it.


2/2008 :: TU 610 :: EQ 610 :: EX 638 :: Beginning scores
2/2009 :: TU 699 :: EQ 697 :: EX 690 :: 1-year mark
2/2010 :: TU 682 :: EQ 670 :: 2-year mark
Frequent Contributor
islandchild82
Posts: 490
Registered: ‎01-24-2008
0

Re: Dream come true!

Congrats! That's great!
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Dream come true!

If you want TC-
Just call them - it is an easy verification process.

Typogrammer wrote:

so_confused wrote:
WTG....Congrats!!!   BTW...who did discover pull?

I would love to know, but I don't want to spend $50 to pull my reports again, and TC won't let me sign up because my report doesn't have enough information that I can verify. (Hogwash!) I do know Amex pulled EQ, my worst score. :smileymad: So maybe Discover pulled EX? :smileyvery-happy:

I'm also interested in finding out just what caused CreditKarma to bump up my score 19 points. I don't rely on that score at all, but obviously something happened to my report. (Did Discover already report?!?)

I type too much. I think I should just sleep on it.


Super Contributor
concorduser
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Dream come true!

:smileyhappy:
Regular Contributor
shawnette
Posts: 216
Registered: ‎06-06-2007
0

Re: Dream come true!

[ Edited ]
I've been using www.Creditchecktotal.com and https://www.chaseidprotection.com/ for a few weeks.  They're both pretty good and the Chase one is only $11.99 per month.  Both pull all 3 reports and give 3 FAKOs.  Creditcheck allows multiple pulls daily, but it's $30/month.  I'm probably going to cancel after this month.   The Chase FAKOs are about 100 points lower than my FICOs, but they seem to go up and down pretty accurately, so for me it's been a good gauge for what my real scores look like.  (I just add 100 pts)
 
 
Congrats on the new card, too!!


Message Edited by shawnette on 05-10-2008 10:12 AM
Established Contributor
UpNComing
Posts: 684
Registered: ‎05-02-2008
0

Re: Dream come true!



shawnette wrote:
I've been using www.Creditchecktotal.com and https://www.chaseidprotection.com/ for a few weeks.  They're both pretty good and the Chase one is only $11.99 per month.  Both pull all 3 reports and give 3 FAKOs.  Creditcheck allows multiple pulls daily, but it's $30/month.  I'm probably going to cancel after this month.   The Chase FAKOs are about 100 points lower than my FICOs, but they seem to go up and down pretty accurately, so for me it's been a good gauge for what my real scores look like.  (I just add 100 pts)
 
 
Congrats on the new card, too!!


Message Edited by shawnette on 05-10-2008 10:12 AM

shawnette the Creditchecktotal.com looks a lot like Credit Keeper and Experians Credit Manager.  I wonder if its another Experian owned website.
CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682

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