03-26-2013 01:28 PM - edited 03-27-2013 10:29 AM
Okay so this afternoon I took my shiney new and improved scores for a drive around the the track:
Starting off with the following scores:
EXP 721 7 inq but 5 of them over a year and a half old
TU 725 3 inq (just took a inq for NFCU membership)
EQ 750 2 Inq
Total Util = less than 5%
I apped in the following order:
1. Chase Freedom
2. Amex BCP
3. Discover IT
Chase Freedom was instant approval online for 2500. I reconed the limit but got nervous and only asked for 3500. Got it in two seconds!!
Amex BCP - I really wanted this one so when it was instantly approved I nearly fell out of my chair. 2K limit. Not gonna recon them cause...its amex!
Discover IT- I like Discover so...Instant approval 2K. I did not recon the limit cause I am not sure it can be can it? Anyone wants to chime in plese do.
NFCU - Apped for Their Flagship Siggy card and got 3-5 day message. I am told that this is customary for the siggy and that I will be auto considered for a lesser card in the event it is not approved. If they pulled EQ they saw a 750 score.
HERE IS WHERE THEY PULLED MY REPORTS:
CHASE PULLED ONLY EXPERIAN
AMEX PULLED ONLY EXPERIAN
DISCOVER PULLED ONLY EQUIFAX
NFCU PULLED TU FOR MEMBERSHIP
NFCU PULLED BOTH TU AND EQUIFAX FOR FLAGSHIP VISA (YES THEY PULLED TWO TU REPORTS IN 24 HOURS! **bleep**!!!)
I AM NOW RESIDING IN THE GARDEN!!!
I cannot thank everyone here enough! When I came here about a month or so ago, I was in the final stages of trying to clean up my files. My scores went from low 600's to what you see here today in that short time. I bought down util and challenged anything remotely neg and forced the final bad I had off my reports. I even updated all my personal information to be current.
I never could have done this without everyone's help here. I simply would not have known what to do.
I want to especially thank 09Lexie, Webhopper and Dodgeball for their patience and willingness to answer my private messages. You guys/gals rock and I owe you my heartfelt thanks. Thank you!!
Someone hand me a bucket, shovel and some gloves please.
This is definitely a happy dance day...see below:
03-26-2013 01:40 PM
Well done PilotDude! I am so happy for you!
Totally owe you a debt of gratitude 09Lexie!!
Yea...when they told me 2k, my first thought (other than HOLY CRAP I GOT IT) was 3xCLI in 61 days.
I would read the guide now, but I am too amped up to absorb it. I will read it tonight or tomorrow.
03-26-2013 01:57 PM
Congrats Pilotdude! I also have the AMEX BCP. Within about 20 mos I upgraded twice to end up with that card...never a HP.
You will love being a NFCU member...I even call them to say hello on Christmas, because I know someone is there working!
03-26-2013 02:13 PM
Yea I cannot believe how cool they are at NFCU!! Its as if we have been buddies for years each time I get on the horn with them.
Thats a new financial relationship I see lasting a long long time for me.
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.