08-09-2013 07:39 AM
08-09-2013 07:51 AM
I was content to stay until the garden until at least January to help grow my AAoA so I could get in with Chase and Amex.
Unfortunately, I have just had my fall from grace: 2 inquiries as reported by Credit Sesame
This was due not to to temptation, but to ignorance. I got fed up with jumping through more hoops than a dolphin at sea world to keep my Wells Fargo student account fee-free so I decided to switch to a credit union in my college town. I didn't realize that this would be a hard pull.
I joined yesterday and was feeling great until I woke up this morning and saw the two inquiries: one for joining the account and one from Elan financial (I guess the banker apped me for the Student card without asking… doesn't she know that I'm watching my inquiries?!?)
I'm not too optimistic about my approval chances with 4 INQs on my thin file and about 30% UTIL on my last report (moving back to school and floating higher than normal balances so I'm taking advantage of my 0% APR). I'm just hoping I'll get something so I can at least have a new TL out of the INQ I didn't want.
Oh well. I'm still happy I'm voting with my lone and saying no to Wells Fargo's fees, it's just too bad my principled stand resulted in 2 INQs.
I'm telling Lol
The banker did it story....sure
Congrats and straight back to the garden
08-09-2013 07:58 AM
08-09-2013 08:02 AM
I can already see her shaking her head…
I swear she did! I was happy in the garden!
I guess I'll be in the garden even longer to age these suckers off.
You know its coming...Shaking my head
I would advise you to check into the garden now to make amends before she gets here...
Knowing that you have to deal with Lexie I will take it easy on you this time
08-09-2013 08:07 AM
08-09-2013 08:09 AM
Check in complete. Hopefully my youthful ignorance is forgivable haha
I saw it LOL
Good luck with Lexie
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