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Regular Contributor
Posts: 139
Registered: ‎12-11-2010
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FINAL UPDATE BIG APP Spree results 8/22

[ Edited ]

I went on a nice app spree on the 22nd because my util went from 90 down to 20. Only baddies on report are 5 30 days over 2 years old and 1 60 from 3 years ago. 5 inq on each of my reports at time of apps. Here are the results.

 

These are my only declines:

 

Penfed platinum-declined eq

Citi hilton cli-declined with soft only

 

Approvals:

 

CSP-instant approve-9.2k-exp-1 pull for both

Chase Freedom-instant approve-4k-exp-1 pull for both

USAA AMEX-instant approve-2k-eq

BOA 123 cli- 2500---->5500 approved-tu thru backdoor

Nfcu cash cli-10000---->14000 approved-eq 2 day wait

Barclay apple cli-1500---->3000 approved-eq on recon

 

Man this was my most successful spree yet. Chase surprised me big time. I do have a relatively high income though. Also, i want an amex revolver something aweful! I will be apping on the 27th. I will let you guys know how it goes.

 

I just wanted to update this post to show the exp score that chase gave me. Which is a 706

 

Addendum

 

Final update on my app spree:

 

Amex Hilton no af-approved on recon-1k

Chase sapphire regular- approved- 6500

Chase freedom-moved 1500 from regular sapphire-5500

Citi hp cli-declined

 

Finally got an AMEX revolver too! Im gardening for like ever now!

Went from 7k in credit to over 50k inthis app spree!

 

 

My wallet? AMEX PR Gold NPSL, AMEX HH 1k, Citi Hilton Reserve VS, CSP 9.2k, Chase Freedom 6.7k, Chase Sapphire 5.2k, USAA AMEX 2k, Cap 1 Cash 1.2k, BBRZ MC 500, Barclaycard Apple 1.5k, Barclay Ring 4.5k, Bank Americard 123 5.5k, NFCU Cash 14k

Starting Score: (9/27/10)TU:602 EQ:567
Current Score: TU:670 EQ:670 EX: 706 chase pull
Goal Score: TU:700 EQ:700


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My wallet? AMEX PR Gold, Citi Hilton Gold, Cap 1 Cash, BBRZ MC, Barclaycard Apple, Bank Americard Cash
Regular Contributor
Posts: 139
Registered: ‎06-10-2012
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Re: BIG APP Spree results 8/22

[ Edited ]

wow those are great cards and great limits!

 

what baddies do you have? i am too chicken to apply for CSP with my scores but you give me hope...


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: BIG APP Spree results 8/22

Those are nice increases, grats!

And what was your aaoa and your highest cl at the time? :smileyhappy:
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
Posts: 1,990
Registered: ‎09-16-2011
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Re: BIG APP Spree results 8/22

wait on the AMEX revolver, AP in january and you will get maximum backdating goodness... 

 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: BIG APP Spree results 8/22

Nice spree results.  Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
Posts: 923
Registered: ‎06-12-2012
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Re: BIG APP Spree results 8/22

Wow, instant CSP approval w/ a $9.2k limit and you are a sub-700? Do you have a prior relationship with Chase?

JP Morgan Select $10k | CSP $10k | Citi TY Premier $15k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $15k | AMEX SPG $5k | AMEX PRG NPSL | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Regular Contributor
Posts: 139
Registered: ‎12-11-2010
0

Re: BIG APP Spree results 8/22

My aaoa is 4 yrs with 9 yrs history. I think i was on the bottom end off approval score with chase in the 670s, and my income made up for it. It seens like they are targeting people with high incomes. I am a little over 100k by myself. I have the 3 premeir checking accounts for veterans with them that are only a month old. My highest line was nfcu at 10k at time of app. Next highest was a local bank card i dont use anymore at 5k. I really want to app for an amex revolver now while the going is good, but waiting untill january isnt a bad idea either.

My wallet? AMEX PR Gold NPSL, AMEX HH 1k, Citi Hilton Reserve VS, CSP 9.2k, Chase Freedom 6.7k, Chase Sapphire 5.2k, USAA AMEX 2k, Cap 1 Cash 1.2k, BBRZ MC 500, Barclaycard Apple 1.5k, Barclay Ring 4.5k, Bank Americard 123 5.5k, NFCU Cash 14k

Starting Score: (9/27/10)TU:602 EQ:567
Current Score: TU:670 EQ:670 EX: 706 chase pull
Goal Score: TU:700 EQ:700


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My wallet? AMEX PR Gold, Citi Hilton Gold, Cap 1 Cash, BBRZ MC, Barclaycard Apple, Bank Americard Cash
Super Contributor
Posts: 6,577
Registered: ‎04-07-2008
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Re: BIG APP Spree results 8/22

Nice spree rusults.

 

I see Penfed still giving people a hard time huh




Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: BIG APP Spree results 8/22

Awesome! Congrats:smileyhappy:. I just wonder why CITI denied your CLI request? I always heard they are one of the best when it comes to CLI policy.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Regular Contributor
Posts: 139
Registered: ‎12-11-2010
0

Re: BIG APP Spree results 8/22

Citi used a soft pull from last month when my util was maxed out. I called and tried to have them do a hard pull, but they coul only submit the same way i do online. It keeps grabbing the soft from last month. Lol Anybody know a way around it?

My wallet? AMEX PR Gold NPSL, AMEX HH 1k, Citi Hilton Reserve VS, CSP 9.2k, Chase Freedom 6.7k, Chase Sapphire 5.2k, USAA AMEX 2k, Cap 1 Cash 1.2k, BBRZ MC 500, Barclaycard Apple 1.5k, Barclay Ring 4.5k, Bank Americard 123 5.5k, NFCU Cash 14k

Starting Score: (9/27/10)TU:602 EQ:567
Current Score: TU:670 EQ:670 EX: 706 chase pull
Goal Score: TU:700 EQ:700


Take the FICO Fitness Challenge

My wallet? AMEX PR Gold, Citi Hilton Gold, Cap 1 Cash, BBRZ MC, Barclaycard Apple, Bank Americard Cash
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