Think of this as the anti-barclay version of the game "what will Barclay do?" My Walmart UTIL updates tonight and I'll be apping (and/or drapping) for NFCU Flagship Siggy Visa. So lets play "GUESS MY INITIAL CL" (if I dont get approved I'll probably not be able to show my face on these boards for a while 
)
My current scores (that are probably pretty close to being accurate) are:
EQ: 663 FICO, USAA 658
TU: Walmart 705, AMEX pull 702, MyFICO around 680, CK 650, USAA 686
EX: CS 705, USAA 677, MyCreditInform 702
Inquires: 7/4/4 (EQ/TU/EX)
Oldest account: almost 20 years
AAoA: 10 years
Total Accounts on CR: 30
Income: 6 figures, more than 3 years at current job (attorney)
Own home for 5 years
DTI: 18%
UTIL: 2%
No Collections, BK, Judgments
AMEX Zync (NPSL), AMEX Delta 2k (backdated 1993)
Chase Amazon Visa 2k (opened 9/2012)
Chase Freedom Visa 1.5k (opened 9/2012)
Walmart Discover 1.8k (opened 9/2012)
Cap1 Secured 1k (opened 6/2012)
WF Secured 1k (opened 6/2012)
(have couple old CC's still reporting, i.e. Dillards, Cap1)
Baddies:
1 paid CO from 7/2009 for 109
1x 30 day late SM Student loan Dec 2010
1x 90 day late SM (different loan) Nov 2007
Cap1 Auto: mess - no late more than 60 days, last late March 2012 (do have documents proving consecutive payments for monthly note since Aug 2011 - still fighting with Cap1) 12x30 and 4x60
Ahhh,, Repo-ed guessed my exact amount too. Ok, Repo, we're in this one together! That's my number too.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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LS2982 wrote:I'm gonna say declined on too many new accounts and recent INQ's
(Ducks for flying objects)
That is actually a concern of mine. My two secured cards are not 6 months old and I have 5 other accounts that are 2 months old. Granted two of those 5 are AMEX which are backdated (not sure how NFCU will look on that). If they pul TU or EX I'm good on INQ but EQ...it was kind of high. To be honest, I'll be happy with 7.5k but would love to see 5 digit CL!
Duncanrr wrote:
That is actually a concern of mine. My two secured cards are not 6 months old and I have 5 other accounts that are 2 months old. Granted two of those 5 are AMEX which are backdated (not sure how NFCU will look on that). If they pul TU or EX I'm good on INQ but EQ...it was kind of high. To be honest, I'll be happy with 7.5k but would love to see 5 digit CL!
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