Reply
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
0

Re: Is anyone else being driven crazy waiting? Check in here

Dont loose your sleep with FBNO. They are very conservative and approve every thing manually. It could take 2-4 weeks before you hear from them.

Senior Contributor
john398
Posts: 3,517
Registered: ‎01-19-2009
0

Re: Is anyone else being driven crazy waiting? Check in here


ChesterPDexter wrote:

By the way, that's the first real 700 score I've seen for myself - 

EVER  ! ! ! !  :smileyhappy:

 

btw, my husband is such a shameless application-whore that before I was finished with this post or finished registering for online access, he had already applied, spoken with them on the phone to verify some things, was put on hold, and told he'll hear from them in the mail.  No instant approval for him.  If there's a sub-dungeon, he belongs in it.  He's got a real problem.  :smileyindifferent:



Congrats, you say real score, but wwith those ranges, are you sure thats a real score?

The range of scores

Scores range from a low of 250 to a high of 900.

Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011
0

Re: Is anyone else being driven crazy waiting? Check in here



Scores range from a low of 250 to a high of 900.



Sounds like Vantage Scores not FICO.



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009
0

Re: Is anyone else being driven crazy waiting? Check in here


discernment wrote:


Scores range from a low of 250 to a high of 900.



Sounds like Vantage Scores not FICO.


It's not a VS. They go from 501-990.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Established Contributor
ChesterPDexter
Posts: 618
Registered: ‎06-18-2007
0

Re: Is anyone else being driven crazy waiting? Check in here

Oh yeah, you're right.  I got so excited I didn't even pay attention to that.  Oh well, whatever the hell...  And if the range goes up to 900, then a 704 is that much better, right?  Oh, wait - but the low point is 250. (Clearly I hardly care now, I'm so glad to get in with this prime bank and get that much more room I can BT some debt to for 21 long months.  :smileyhappy:  )

 

Now I'm getting curious, though... I wonder what scoring model they used.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009
0

Re: Is anyone else being driven crazy waiting? Check in here

That is a valid range of a certain version of EX. Here are some older threads talking about a PFICO score.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Established Contributor
ChesterPDexter
Posts: 618
Registered: ‎06-18-2007
0

Re: Is anyone else being driven crazy waiting? Check in here

Thanks, MarineVietVet!  Sorry to everyone for my coarse language.  I should get a grip.  I'm just so happy that I feel like I won money or something!  (Actually, I did - because I'm in the process of paying off debt, and every balance I can transfer to 0% means money I don't pay every month in interest.)

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Senior Contributor
john398
Posts: 3,517
Registered: ‎01-19-2009
0

Re: Is anyone else being driven crazy waiting? Check in here

Yes 0% is great congrats again

Established Contributor
ChesterPDexter
Posts: 618
Registered: ‎06-18-2007
0

Re: Is anyone else being driven crazy waiting? Check in here

[ Edited ]

OK, I'm putting on my gardener's gloves now, for sure.  Why wouldn't I?  I can now move ALL my debt to 0%.  I think I'll need a tranquilizer or something.  I can't even believe this. Anyone who's struggling to just get any credit at all, or to break out of bottom-tier credit land - don't be jealous, I've been there, and for a long, frustrating time.  I once could only get Sam's Club to give me a $300 CL and I also sported a First Bank of Marin (anyone remember that one?) in my wallet.  And Household Bank for a few hundred dollars.  Orchard for $300 - you get the picture.  And if you knew how much interest I've paid to high balances on terrilble cards over the last 5 years (it makes me sick to know it's been that long that I've been climbing out of this mess), you'd be sick too.

 

The word from Omaha (Short, sweet, and to the point, aren't they?)

 

 

 

Application Status     
 
Your application was approved on 12/14/2011 with an initial credit line of $5,300.00.    A card will be sent to you within 7-10 business days.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Regular Contributor
jk26978
Posts: 164
Registered: ‎08-21-2010
0

Re: Is anyone else being driven crazy waiting? Check in here

I am glad that I found this thread - I realize that it is older, however - I am going stir crazy - I cannot wait until I "just might" be able to qualify for "prime" cards again.  I was in the garden before I even knew that there was a garden.  Would love to know if could be approved, to scared to even app for fear of denial and what it would do to my current scores, which seem to inch up a tad every few months or so....it is just the waiting, not knowing, that gets to me.  This forum has been so helpful since I started reading.  I must admit, I think that I have become addicted to this site.  Everyone's posts, it seems, are helpful in one way or another. 

 

But...for now, I guess back into that garden till at least November, which then, I might try my luck again with Wal-Mart - also thought about the Speedway Card since most of my gas is purchased there and with the right card from them I could earn extra "speedy" points - cashed them in once for the $50 Applebees card - nice way to go out for fee.

 

TTFN

 

K


Starting Score: 650 Current Score: EQ:716 (SW Alert 5-7-14) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750
Joined the garden again 12/5/13
In the garden till at least 5/1/14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}