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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Duck card approval profiles


12njoy wrote:

@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. 


Well, at least you tried. You don't have much longer to go. :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!

Established Contributor
Credit-hoarder
Posts: 546
Registered: ‎08-30-2013
0

Re: Duck card approval profiles

@12njoy: Very sorry for the denial. But you helped make my decision for me not to apply b/c my CR is very similar to yours right now-one  paid 1 CO but a few other paid public records as well-although your CC line-up is WAY BETTER than mine at the moment. However I belong to USAA (joined almost a month ago-full member) so I may try for a Mastercard with them instead. It seems they didn't have a problem with your CO so I might have a shot. Again sorry for the Duck denial, but thanks-your applying + looking at your siggy helped me a lot!

Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

Re: Duck card approval profiles

After fleeing to the garden for a day, I got the 7-10 day message. I received my card yesterday -$1k CL. EQ 661 in their letter. I have 2 paid judgments and 2 paid collections. No lates on my current accts. 20+ inqs, a lot of them recent. 15% util. AAoA is low.

P.S. I need help!

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@ credit hoarder,

Thanks. The trek usaa cards I have at $5000 are both secured cards I got in March 2012. All other is unsecured. I think usaa likes to see at least a 660 EQ Fico so you should be good as long as they're has been some time since your baddies with positive history. I see that a poster got the duck card with mid 600 score with public record. Got me thinking to try again but I don't want the inquiry.
EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@ ravensfan2001

How old are your public records?
EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@bichonmom

Thank you
EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

Re: Duck card approval profiles

My 2 medical judgments are from January 2010. Both were paid in March 2013. One was $900, the other was $500.

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Ravensfan,

You got me with an itchy finger now. Mine are all from 2008 and each 3 were $700
EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

I just thought if something, maybe it's because I settled my three for less than the full balance that could be it
EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
0

Re: Duck card approval profiles

If it helps, here's more info:

Individual income $60k a year
Same employer 12 yrs
Recent home purchase (first home)
None of my "good" accounts are reporting yet, including my mortgage.

12njoy I'm throwing a Benadryl at you. :smileytongue:

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***

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