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
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)
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
$7600, What do we win if we are the closest?
I'm gonna say declined on too many new accounts and recent INQ's
(Ducks for flying objects)
+1 Also, the baddies don't help either.
The income and the AMEX backdating might be your only hope here.
Ideally, they will give you a limit at 10% of your income.
$9,000 and it was TU for membership, and EQ for credit card for me.
do it already!
we all want to know your results