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FiCO's.
What is AAAoA?
Edit: Average Age of Account.
Called CapOne to see if they could upgrade my current card to a Cash Rewards card. They said there aren't any options for me and I would need to app for another card. Being that I got the 4 dream cards already in just 1 day, I didn't want to risk being denied. I'll hold on to the card for another year to let me 4 new cards age and cancel the Capital One card so I don't get hit with an annual fee.
@Razeus wrote:FiCO's.
What is AAAoA?
Edit: Average Age of Account.
Called CapOne to see if they could upgrade my current card to a Cash Rewards card. They said there aren't any options for me and I would need to app for another card. Being that I got the 4 dream cards already in just 1 day, I didn't want to risk being denied. I'll hold on to the card for another year to let me 4 new cards age and cancel the Capital One card so I don't get hit with an annual fee.
where did you get your ex fico?
I got TU and EX from this site. Cost a pretty penny.
@Razeus wrote:I got TU and EX from this site. Cost a pretty penny.
you mean you got your TU and EQ score here, MYFICO does not sell EX Fico's anymore. do you know what your AAoA is then?
CONGRATS!!!!
Very nice Discover limit!!
@gettnthere wrote:
@Razeus wrote:I got TU and EX from this site. Cost a pretty penny.
you mean you got your TU and EQ score here, MYFICO does not sell EX Fico's anymore. do you know what your AAoA is then?
Close to 6 years.
The Cap one will be closed since I know it doesn't affect my AAoA, just my utilization. But since my 4 new cards combined have more CL than CapOne, I don' t think my utilization will be problem.
gotcha BIG Congrats on the Discover Limit! Discover must have Really Seen something they like to start you with such a HUGE limit, espicially with Sub 700 scores. thats awesome tho!! Enjoy your new cards
No kiddng ha! They must have really liked you... They denied my CLI request based on my TU report which is the cleanest of my 3
Thanks guys. Yes, I'm still in shock I was 4 for 4 on my app spree and got great limits. That's NEVER happened. And yes, Discover must have some wicked voodoo formula that worked in my favor. I think it has to do with the mortgage I closed a couple of weeks ago, but I doubt that would show up yet, but it's nice to check the box that says "own" rather than rent. It should arrive Wednesday (they send in 2 days, as oppose to 7-10 days that everyone else does).
Well I pushed my luck.
Called up Barclays to increase my current CL of $500 (3 years old) to something respectable. They only bumped it up $350.
Apped for Chase Sapphire (non-Preferred) and got the "we need to evaluate". Called the back door number and explained, that yes I've opened a few cards yesterday, but I bank with Chase and have savings there. They brought up my student loan lates, but I told them that was last year and should become a year old in October, but I've never been late on a card payment. She replied they gave me the Freedom card and will see how I do with that.
Oh well. At least I'll get the denial letter to get my free credit reports to have (I usually pull 2x a year). September 2013 is marked on my calendar to re-app. My mortgage HP's in January 2012 (all denied), and May 2012 (approved) and these recent 5 HP's for credit cards will be all over a year old by then and shouldn't count against me. Chase Sapphire and AMEX Blue Preferred versions are my targets.
At least I can say I was 4 for 4 on my apps. Thank you guys for all your help and insight. Time to hit the garden until fall 2013.