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Duck card approval profiles

Super Contributor

Re: Duck card approval profiles

@ravensfan2001

Thanks for info. I have annual income of $63k and 27 trades reporting positive of which 9 are revolving with two of those with 18 months if history. I need that benadryl, thanks lol
EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,025,850 Time to divest
Message 71 of 620
Established Contributor

Re: Duck card approval profiles

Hmmm. You have more history than I do. I have 10 revolving accounts and 2 auto loans reporting right now. All of my open revolvers are 11 months or less. I had a secured Cap One opened for a year, closed in May 2013. Auto loans - $379/mo since 3/2011 and $300 since 12/2012.

Maybe when you called, you got the wrong person. I don't think it would hurt to try again. You already have the HP.

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 72 of 620
Super Contributor

Re: Duck card approval profiles

True but the app was from August 6th so I'm sure they will want another hard pull. I think it's most likely that i settled those accounts instead of paying in full
EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,025,850 Time to divest
Message 73 of 620
Super Contributor

Re: Duck card approval profiles

@ravensfan,

You rock. Just applied online and was approved instantly. Didn't have to recon it anything.
EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,025,850 Time to divest
Message 74 of 620
Regular Contributor

Re: Duck card approval profiles

Alright..So I made my first call this morning to check on the status and they said my application is still pending and I will get a letter in 7-10 days. Hey, atleast I wasn't flat out denied...I'll call back around lunch time for recon # 2 :Smiley Very Happy

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Message 75 of 620
Established Contributor

Re: Duck card approval profiles

Yay! Congrats 12njoy! Care to share your CL?

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 76 of 620
Super Contributor

Re: Duck card approval profiles

@ravensfan,

$6500. Crazy. Just denied on August 6, 2013. If it wasn't for you, I wouldn't have applied again.
EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,025,850 Time to divest
Message 77 of 620
Established Contributor

Re: Duck card approval profiles

Okay, I'm jealous. Now that you have your $6500 and another HP, I'm throwing a handful of Benadryl at you. Smiley Wink I think I need something stronger.

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 78 of 620
Super Contributor

Re: Duck card approval profiles

@ravensfan

Lol lol. I'm still shaky from that experience. This is only my second instant approval. All others I had to recon.
EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,025,850 Time to divest
Message 79 of 620
Valued Contributor

Re: Duck card approval profiles

@12njoy: What were you just approved for-the Duck Card?

Message 80 of 620