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Senior Contributor
Posts: 3,128
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@credit hoarder,

 

Yes the duck card.  Ravensfan got me hyped to reapply

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 578
Registered: ‎11-10-2012
0

Re: Duck card approval profiles

Yes. It's my fault. Smiley Wink

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (8/1/15): Wally TU 639 | Discover (app) EX 651 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 7/30/15. Down from 30+ inqs each in 2014 to TU-5; EX-7; EQ-15. Aiming for ZERO inqs.
Senior Contributor
Posts: 3,128
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Lol lol

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 796
Registered: ‎08-30-2013
0

Re: Duck card approval profiles

@12njoy: Congrats! And a nice limit too.

Senior Contributor
Posts: 3,128
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Thank you credit hoarder

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 796
Registered: ‎08-30-2013
0

Re: Duck card approval profiles

@12njoy: I noticed you stated you had to recon all but 1 of your current accts. If you don't mind my asking, did that include your AMEX accts also? I'm asking b/c I just got turned down for them for a second time since early Sept. a few days ago. I'm currently waiting for the denial letter in the mail. I haven't called to try a recon yet. I apped for the Green card.

Senior Contributor
Posts: 3,128
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@credit hoarder,

 

For the most part amex cards were recoon due to fraud alert on credit report required them to verify my identity otherwise would have been instant.  I did have to recon the blue cash preferred because I already had the blue cash everyday.

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
Established Contributor
Posts: 849
Registered: ‎03-09-2013
0

Re: Duck card approval profiles

Congrats ravensfan!

Congrats on the second go round 12njoy! Has anything in your profile changed since August?
Senior Contributor
Posts: 3,128
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@ DiabolicallyRandom,

 

My EQ FICO score went up about 10-15 points (66o's - 687) from when I applied on August 6th.  My student loans also came back on my report after being transferred (126K).  I opened up one new American Express card with a limit of $4,500.  Oh and maybe the big item (I guess) was that the chargeoff's all aged over 5 years effective October 1st.  A couple of inquires came off.  This is all that has changed.  I really think it must have been the age of the chargeoff's because when I was denied in August that was all that they cited.

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
Senior Contributor
Posts: 3,128
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@credit-hoarder,

 

What does your profile look like?

EX FICO 719 EQ FICO 698 TU FICO 722
Total Credit Limits: $505,050 (July 2013 starting credit limits totaled $2,700) - current utilization: 3% - current AAoA: 1.8-2.4 years
In my wallet: Amex(24.6k), Barclays(18.2k), Cabelas Club Visa (4k) Capital One (49k), Chase(48.6k), CITI(5k), Dillards(2.5k), Diners Club(30k), Discover(17k), 5/3(18k), Equality Visa(4k), FIA Amex(35k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Rakuten Mastercard(2k), Synchrony(78.5k), USAA(50k), US Bank(6.5k), and Wells Fargo(37.5k).
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