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I absolutely LOVE this forum

Senior Contributor

I absolutely LOVE this forum

Because of this forum, I've been able to learn about discussions with underwriters. I've also acquired two cards from all that I've learned here; namely, I was approved for the Travelocity Amex w/ a $6.5k limit on recon, and then the Chase Freedom Visa Siggy on recon with a $5k limit. Believe it or not, these two cards attained on recon have improved my credit substantially, and my other lenders have taken notice and increased most of my limits competitively. :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 13
12 REPLIES
Valued Contributor

Re: I absolutely LOVE this forum

Great stuff!

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 13
Established Member

Re: I absolutely LOVE this forum

What are discussions with underwriters? 

EQ/637
TU/616
EXP/659


Message 3 of 13
Senior Contributor

Re: I absolutely LOVE this forum

I know!!!... and both of those are 0% for like the next year! haha. I love cheap credit!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 13
Senior Contributor

Re: I absolutely LOVE this forum

discussions with underwriters= how to explain credit situation with ... like on a recon call.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 13
Established Member

Re: I absolutely LOVE this forum

I am about to recon a student card probably going to tell me I have too many inqs. I do however have one card that is being reported as  4% util out of a 750 credit limit that has been reported paid and in good standing I am apping for citi div select for students what do I say? 

EQ/637
TU/616
EXP/659


Message 6 of 13
Established Member

Re: I absolutely LOVE this forum

I checked my EXP and it is reporting a plus score of 726 with 3 inqs and 1 account in good standing and low debt ratio

EQ/637
TU/616
EXP/659


Message 7 of 13
Established Contributor

Re: I absolutely LOVE this forum

I know without this forum I would have never thought I could get some nice prime cards.  Nice limits congrats theres so much to learn on here, GL.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 8 of 13
Established Member

Re: I absolutely LOVE this forum

What are some tips on reconing I am trying to apply for CITI Div they are probably going to say too many inqs but my exp plus score is 726

EQ/637
TU/616
EXP/659


Message 9 of 13
Senior Contributor

Re: I absolutely LOVE this forum

Citi is tough, even on recon. Depends on what your AAoA is, and whether you have baddies. I wouldnt app for Citi in your case. Try a Barclay's card
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 13