Reply
Valued Contributor
12njoy
Posts: 1,721
Registered: ‎09-11-2013
0

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 FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $270,600 (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(15.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(22k), 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(15k).
Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

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
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Valued Contributor
12njoy
Posts: 1,721
Registered: ‎09-11-2013
0

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 FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $270,600 (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(15.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(22k), 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(15k).
Valued Contributor
12njoy
Posts: 1,721
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@ravensfan,

You rock. Just applied online and was approved instantly. Didn't have to recon it anything.
EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $270,600 (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(15.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(22k), 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(15k).
Regular Contributor
Jbb2788
Posts: 161
Registered: ‎10-09-2013
0

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 ::smileyvery-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)
Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

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
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Valued Contributor
12njoy
Posts: 1,721
Registered: ‎09-11-2013
0

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 FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $270,600 (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(15.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(22k), 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(15k).
Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

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. :smileywink: I think I need something stronger.

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 (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Valued Contributor
12njoy
Posts: 1,721
Registered: ‎09-11-2013
0

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 FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $270,600 (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(15.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(22k), 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(15k).
Established Contributor
Credit-hoarder
Posts: 529
Registered: ‎08-30-2013
0

Re: Duck card approval profiles

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


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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}