02-08-2011 08:52 PM - edited 02-08-2011 08:54 PM
Every few days under My Offers, I'll have a banner saying I'm pre-selected for this card...I DO plan on applying, but only after the rest of my payments post this month, and I see if I can get rid of a bogus CO (it will fall off later this year anyway). Navy hard-pulled my TU when I applied (didn't know they did that), My TU score was 662 then.
Is this a sure approval, and what kind of CL can I expect? I deposited $1,000 into the savings account the day I opened it (about 2 weeks ago)
My TU as of yesterday: 671
AAoA: 7 years
Oldest account: 10.5 years
60day late: 1 (5.5 years ago)
30day late: 2 (4 years ago)
CO: 1 - shows as a 'recent collection' however TU reports it to be removed 6/2011.
The Util will get better as more statements post (should be around 9%)
On another note, the Amex site is showing the Green and Zync for me now, it showed nothing 2 weeks ago...I want to get a Zync and hopefully a TrueEarnings or Blue Cash this year...
02-08-2011 09:03 PM
I personally would wait until collection is removed, however, with that fico score, you shouldn't have a problem getting approved for the card. You mentioned they pulled TU. I thought they only pulled EQ. They have always pulled EQ for me.
02-08-2011 09:09 PM
I'm in VA and they Hard'ed my TU on the date of my application.
02-08-2011 09:35 PM
I received a "pre-selected" invitation in the mail awhile back for the nRewards. I already had a $20,000 NFCU Platinum Visa and an auto loan with them, so I decided to add nRewards on, as well. Instantly approved at $17,500.
However, I had no negatives on my report ever, and a FICO of 740 or so.
They pulled EQ for both credit cards and TU for the auto loan, but nothing was pulled for membership.
02-08-2011 09:55 PM
I got an invitation in the mail and applied back in November. I was declined, but they pulled EQ and that score is pretty low.
02-09-2011 04:36 AM
Hmm. Ok. My TU is cleaner, but my EQ has always been the stronger score. Would be nice to get somewhere in the 10-15k range. By mid month, my reporting util should be down below 10%.