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New Contributor
Posts: 92
Registered: ‎09-13-2013
0

Re: Duck card approval profiles

[ Edited ]

"Mod Cut" im gonna apply. my credit is not perfect, i have paid chargeoffs (from 09), ive opened several new accounts this year, my scores hover right around 689, and i got inqs for days (60 on each bureau). ill update this thread, seems like all i see if high ficos with high limits. how about us with less than perfect credit :smileyhappy:.

 

 

Please keep language G-rated, Thank You,Lightnin~myFICO moderator

NFCU Cash #1: 15000, NFCU Cash #2: 15000, USAA Plat: 10000, USAA AMEX: 10000, Local CU #1: 7500, Chase Hyatt: 5000, NASA FCU: 5000, SDFCU: 5000, FNBO: 5000, Militarystar: 4700, Chase Militarystar: 4700, Local CU #2: 3000, Chase Ink Classic: 3000 Zales: 2700 Discover IT: 1500, GE Amazon: 1400, GE Walmart: 1400, Target: 500, GE Dillards: 300
NFCU LOC: 15000, Local CU LOC: 3000
Valued Contributor
Posts: 2,213
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

It may have been too that other than the two USAA credit cards at $5,000 a piece (opened March 2012) all others were opened since March 2013.  That may have played an important factor even though they didn't mention it.  I have payed the two USAA credit cards PIF since March 2012.  I susupect all that rolled up with the 3 paid charge offs was a bit too much.  When I spoke with them, they told me to reapply when the charge off's are gone.  I'll pass because I have the Walmart Discover and I think I have some good cards which will grow with me now.

EX FAKO 733/FICO 734 EQ FAKO 716/FICO 701 TU FAKO 732/FICO 706
Total Credit Limits: $394,690 (July 2013 starting credit limits totaled $2,700) - Goal SURPASSED (What to do now...)
current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(25.1k), Barclays(12.9k), BofA(30k), Capital One (45k), Chase(10k), CITI(5k), Diners Club(30k), Discover(15.5k), 5/3(18k), Equality Visa(4k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Synchrony(42k), USAA(42k), US Bank(5k), and Wells Fargo(37.5k).
Community Leader
Super Contributor
Posts: 6,503
Registered: ‎09-22-2012
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Re: Duck card approval profiles

[ Edited ]

Xer0_SiN wrote:t. im gonna apply. my credit is not perfect, i have paid chargeoffs (from 09), ive opened several new accounts this year, my scores hover right around 689, and i got inqs for days (60 on each bureau). ill update this thread, seems like all i see if high ficos with high limits. how about us with less than perfect credit :smileyhappy:.

Wow.  Just....wow.

 

Goodluck, keep us posted.

Valued Contributor
Posts: 2,213
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

LOL.  Poster has some great cards with high limits.  I'm anxious to see how this pans out for him/her, as if I was applying again.

EX FAKO 733/FICO 734 EQ FAKO 716/FICO 701 TU FAKO 732/FICO 706
Total Credit Limits: $394,690 (July 2013 starting credit limits totaled $2,700) - Goal SURPASSED (What to do now...)
current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(25.1k), Barclays(12.9k), BofA(30k), Capital One (45k), Chase(10k), CITI(5k), Diners Club(30k), Discover(15.5k), 5/3(18k), Equality Visa(4k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Synchrony(42k), USAA(42k), US Bank(5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 849
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

And that folks, is how you get 60 inquiries. LOL

 

I have seen approvals with 15, 39 and 55 inquiries. I cant imagine why 60 would be the magical line that cant be crossed. lol

Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Duck card approval profiles


12njoy wrote:

Here goes a big denial that I should have seen coming:

 

I app'd for Duck card with stats:

EQ pulled 665

AAoA 3.4 years

Util 5%

3 paid CO (4.8 years old at time)

Reason for instant denial - charge offs

Reconn'd - same reason


Sorry to hear you got denied. :smileysad: I'm really surprised becuase your COs are paid and pretty old and your util is really low. Have you tried to get the COs off with a goodwill letter? If you search the forum under "goodwill" you'll find lots of info on it. They're mostly in the rebuilder's thread and not the CC thread.You could post on the rebuilder's thread with the specific companies for your COs and people will let you know if they've had luck with them, what's worked, etc. I'd definitley recommend taking a look if you haven't.

 

And yeah, you have some great cards in your sig, which like you said will grow with you! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Posts: 2,213
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Was poster going for it tonight?

EX FAKO 733/FICO 734 EQ FAKO 716/FICO 701 TU FAKO 732/FICO 706
Total Credit Limits: $394,690 (July 2013 starting credit limits totaled $2,700) - Goal SURPASSED (What to do now...)
current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(25.1k), Barclays(12.9k), BofA(30k), Capital One (45k), Chase(10k), CITI(5k), Diners Club(30k), Discover(15.5k), 5/3(18k), Equality Visa(4k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Synchrony(42k), USAA(42k), US Bank(5k), and Wells Fargo(37.5k).
Valued Contributor
Posts: 2,213
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@bichonmom,

 

 Thanks.  I have good willed all three (2 HSBC/Capital One and 1 Merrick Bank).  Forums say these are hard to crack and I can now attest to that firsthand.  They fall off December 2014.  They haven't affected me otherwise, so I'll just wait until then. 

EX FAKO 733/FICO 734 EQ FAKO 716/FICO 701 TU FAKO 732/FICO 706
Total Credit Limits: $394,690 (July 2013 starting credit limits totaled $2,700) - Goal SURPASSED (What to do now...)
current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(25.1k), Barclays(12.9k), BofA(30k), Capital One (45k), Chase(10k), CITI(5k), Diners Club(30k), Discover(15.5k), 5/3(18k), Equality Visa(4k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Synchrony(42k), USAA(42k), US Bank(5k), and Wells Fargo(37.5k).
Valued Member
Posts: 55
Registered: ‎10-12-2011
0

Re: Duck card approval profiles

I will be the white rat for this experiment provided my aoaa is 10 months, oldest account is 10 months. Fico 740+, 1% utilization.

Let see if they approve thin file. Will do it tomorrow since im in my app apree and I just get 8k cl approved yesterday, I'm on fire....lol
After years of spending cash, I wanna build some credit
New Contributor
Posts: 92
Registered: ‎09-13-2013
0

Re: Duck card approval profiles

LOL. i dunno if 60 inqs is the threshold or not, but my experian is more like 68 and the other two is right about 60. were gonna see wassup though. gonna try tomorrow.
NFCU Cash #1: 15000, NFCU Cash #2: 15000, USAA Plat: 10000, USAA AMEX: 10000, Local CU #1: 7500, Chase Hyatt: 5000, NASA FCU: 5000, SDFCU: 5000, FNBO: 5000, Militarystar: 4700, Chase Militarystar: 4700, Local CU #2: 3000, Chase Ink Classic: 3000 Zales: 2700 Discover IT: 1500, GE Amazon: 1400, GE Walmart: 1400, Target: 500, GE Dillards: 300
NFCU LOC: 15000, Local CU LOC: 3000
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