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Valued Contributor
12njoy
Posts: 1,777
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@credit hoarder,

 

Yes the duck card.  Ravensfan got me hyped to reapply

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $275,600 (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(20k).
Established Contributor
Ravensfan2001
Posts: 557
Registered: ‎11-10-2012
0

Re: Duck card approval profiles

Yes. It's my fault. :smileywink:

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: 1,777
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Lol lol

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $275,600 (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(20k).
Established Contributor
Credit-hoarder
Posts: 542
Registered: ‎08-30-2013
0

Re: Duck card approval profiles

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

Valued Contributor
12njoy
Posts: 1,777
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

Thank you credit hoarder

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $275,600 (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(20k).
Established Contributor
Credit-hoarder
Posts: 542
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.

Valued Contributor
12njoy
Posts: 1,777
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 FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $275,600 (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(20k).
Established Contributor
DiabolicallyRandom
Posts: 775
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?
Valued Contributor
12njoy
Posts: 1,777
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 FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $275,600 (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(20k).
Valued Contributor
12njoy
Posts: 1,777
Registered: ‎09-11-2013
0

Re: Duck card approval profiles

@credit-hoarder,

 

What does your profile look like?

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $275,600 (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(20k).

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