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.
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