10-03-2012 10:05 AM
They said my EX FICO was 702 (Fako was 681 at the time).
Listed the following detractors from FICO score:
Loan balances too high.
Account history too short (I have 2 cards that are less than 1 year old).
Too many recent inquiries (4 in last 2 years, 2 in last year).
Credit limits too low.
Collection / Derogatory status on account.
All that and I still got approved for a $10K CL.
10-03-2012 10:12 AM
Must be your income.
10-03-2012 10:38 AM
Congrats! Do you mind sharing your approximate income?
10-03-2012 11:12 AM
Congrats on your approval and the excellent CL!! Geez, my Exp score is 704 and income is 80,000, and I got denied for the BCP. Had a 30 day late in Apr. 2011 and also a few recent inquiries. Will keep trying.
10-03-2012 12:09 PM
Nice letter, but who cares if one receives the card and 10k
10-03-2012 12:23 PM
About $135K, had a mortgage for a year, last 30-day late was 3+ years ago. I've had student loans issued since 2005, no lates at all. A few 60+ that fall off my credit report by January 2013, and 1 collection that falls off in November.
10-03-2012 03:24 PM
10-11-2012 09:29 AM
No, didnt have much available. 2 sears cards about 85% each (just bought new appliances). My discover ($4K Limit) was reporting at about... 25% utilization, showing a high balance previously that was about 75%.
Niiice! I got $3500 on BCE. Did you not have very much existing open cred? I feel like I'm to the point where I have too much avail cred, and that is why I got a lower limit... My TU Fico from Amex was 696. I might need to actually have some lines lowered to get that 3xcli everyone talks about on here lol... Never thought Id see the day when I'd considering asking for a CLD lololllll
2 other cards less than 5% utilization.
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