05-30-2012 06:38 PM
05-30-2012 06:44 PM
Checking in...I am still in the garden for a little over a month now. I don't have the app itch but I couldn't resist pulling the trigger on the Amex CLI. They only approved a $1000 increase. I realize it's better than a denial but I honestly should have waited. I am kinda beating myself up on that one. It almost would have felt better to get the score. I was excited to see it as I felt it would be an instant denial. So I am stuck here for a while unless Chase or Barclays show love in the passing months (seriously doubt that). For now I am gonna just garden and continue paying down my Citi card. That's about it for me.....
05-30-2012 07:15 PM
I have a challenge for all my fellow gardeners...
Your 1st post on the June thread you set a hard date and put it in your siggy and we'll see who can keep to their word!!
Are we allowed an undefined asterisk?
05-30-2012 07:34 PM
Ok. The itch bit me right after my last post.
Apped for Discover More. Denied TU pull 652 score on the denial letter. Recon'd and still denied due to recent bk.
Apped for Barclays Apple - Approved! $2K. Not sure if they pulled TU or Experian. Will find out tomorrow.
Really stoked about the 2k Barclays, but feeling a little guilty for scratching the itch.
Gardening until September 13th when we go for the FHA Loan.
05-31-2012 12:03 PM
Well all hope was not lost....I did get a score from Amex because they did not approve the limit I requested. At least that makes me feel a little better. It seems I was accurate in my thought that I should have waited though. The only key factor they gave me for not approving my request was "The length of time you have been a customer with American Express is too short." On the bright side, I went up 8 points since Feb. to 739 so I am making some progress. Though EX still seems to not like me very much, lol. Anyway, I will be happy and just get back to gardening. Sprinkling some fertilizer on everyone's garden!
05-31-2012 12:18 PM
I have been in the garden, out of the garden, but I think I am here to stay this time. My last cc apps was in Dec. 11 for Amex and Discover. This month I took out a personal loan of $2900. so that my daughter can go to Spain- and right now "short account history is the only thing affecting my score. I am hoping that I won't have to apply for anything for at least a year.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.