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Regular Contributor
QueenBean
Posts: 126
Registered: ‎12-21-2008

Kays Instant Approval

Yippee!

 

Just got a $5100 CL on scores around 590 with a 2 year old dismissed BK.  I'm hoping the Util will help bump me up - I love this forum - thanks everyone!


Starting Score: 527
Current Score: 679
Goal Score: 800


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Established Contributor
happy0510
Posts: 781
Registered: ‎03-07-2008

Re: Kays Instant Approval

Wow Queen,

 

Congrats!! Do you mind sharing your file? Baddies? Thanks!


Starting Score: 615
Current Score: 691
Goal Score: 750


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Member
Tszone
Posts: 7
Registered: ‎05-23-2008

Re: Kays Instant Approval

Congrats I received the same limit last may. They just auto CLI to 7600 after my account turned a year old.
Regular Contributor
QueenBean
Posts: 126
Registered: ‎12-21-2008

Re: Kays Instant Approval

[ Edited ]
Business BK withdrawn in 2008 - Settled business tradelines instead, (so I get have the double hit of BK & COs).  I have those 5 large COs within the last 12mos - other than that, no lates
Message Edited by QueenBean on 06-17-2009 11:37 AM

Starting Score: 527
Current Score: 679
Goal Score: 800


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Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Kays Instant Approval


QueenBean wrote:

Yippee!

 

Just got a $5100 CL on scores around 590 with a 2 year old dismissed BK.  I'm hoping the Util will help bump me up - I love this forum - thanks everyone!


WOW......Congrats:smileywink: with a 590 score.. Was the BK the only thing on your report that wasdragging your score down?

 

King

Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Established Contributor
rom828
Posts: 927
Registered: ‎08-17-2007

Re: Kays Instant Approval


QueenBean wrote:

Yippee!

 

Just got a $5100 CL on scores around 590 with a 2 year old dismissed BK.  I'm hoping the Util will help bump me up - I love this forum - thanks everyone!


Congrats!:smileyhappy:]  Very nice CL!!

 

Hope you can stand a few more questions!!:smileytongue:

 

Did you apply to make a purchase or just apply to get a new TL???

 

Do they require a purchase for approval or does applying to pay for a purchase have any bearing at all on their approval??

 

Did you apply in the store or on line?

 

 

 

 

 

 

FICOS: TU 740(9-4-13) EQ713( 9-4-13) EX 719 (9-9-13)

Valued Member
mal007colm
Posts: 34
Registered: ‎03-24-2009

Re: Kays Instant Approval

After reading this thread I applied on 06-17 and was approved for a CL of $5100. The pulled my EQ which was at 642 last time I checked a month and half ago.

Starting Score: TU 560
Current Score: TU 750 EQ 731 EX 728?
Goal Score: TU 750+ EQ 750+


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Established Contributor
rom828
Posts: 927
Registered: ‎08-17-2007

Re: Kays Instant Approval


mal007colm wrote:
After reading this thread I applied on 06-17 and was approved for a CL of $5100. The pulled my EQ which was at 642 last time I checked a month and half ago.
PLEASE advise!!   Did you apply in the store to make a purchase??? 
 I'm anxious to  find out how all of you getting these great CLs are doing so!!
FICOS: TU 740(9-4-13) EQ713( 9-4-13) EX 719 (9-9-13)

New Contributor
Duplex
Posts: 74
Registered: ‎03-24-2009

Re: Kays Instant Approval

I applied online and only got an $800 limit.  How often do they give CLI?
Established Contributor
rom828
Posts: 927
Registered: ‎08-17-2007

Re: Kays Instant Approval

[ Edited ]

Duplex wrote:
I applied online and only got an $800 limit.  How often do they give CLI?

Wow!  I don't want to risk applying only to receive such a low CL.  Maybe these other posters applied in-store and/or for a purchase and thus received higher limits.

 

Any of you that got these high CLs... could you please advise the following:

 

1) method of apping   2) score and baddies   3) utilization     4) Income (as shown on app)

 

etc that may have influenced the CL decision

 

 

Message Edited by rom828 on 06-18-2009 09:17 AM
FICOS: TU 740(9-4-13) EQ713( 9-4-13) EX 719 (9-9-13)


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