09-09-2011 09:44 PM
well after several years of being a rebuilder, the last few days I went on some serious hunting and have officially left the rebuilder world behind.
I must admit I did go a little crazy but my scores only dropped a total of 9 points for these inquiries. I will not be applying for anything else for at least
another 2 years.
I applied for and was approved for:
Discover card with $4000 CL
Paypal Mastercard with $4000 CL
Chase Freedom with $5000 CL
Amex Blue Cash Preferred CL not known yet
Barclays Apple $1500 CL
Citi AA Advantage with a $4000 CL (denied but recon)
BOA Cash Reward with a CL of .............drum roll...........$7500
Everyone on this site has been so helpful I truly appreciate it.
Now to sit back and enjoy the fruits of my labor, let these TL age and buy a cup of coffee on each account every few months.
Time to beat them at their own game
09-09-2011 09:52 PM
Be prepared for restlessness and boredom. Try crocheting or football or something.
09-10-2011 07:00 AM
what does FR mean
Financial Review (they will request pay stubs and tax returns). There are very few and far between, so no need to worry about it now, just deal with it if it happens - and I would think as long as you didn't lie on your application you should be fine.
I believe what the poster above was trying to point out is that you should only apply for a card or two every few months and never go over board with your applications or you may risk Adverse Actions from your current and/ or new creditors. Barclay's is another one people claim don't like new tradelines.
Congratulations on your approvals, I know it feels extremely good when you're finally in with the prime banks
09-10-2011 07:19 AM - edited 09-10-2011 07:20 AM
09-10-2011 07:24 AM
I wouldn't be worrying about AmEx. Barclays, though, that's another story.
09-10-2011 07:35 AM
Wow!!! What a great haul! Congrats on such a successful round of apps! Now, please come and join us in the garden... allow me to pass you a watering can.
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.