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Cash rewards at initial 5k then immediately requested CLI to $7500 :: EQ 644ago opened 3 wks ago)
Line of credit at$5000
10K - TU was 691, EQ was low (630ish). I commented on the app about EQ being an issue. They pulled TU and approved me.
Income is 80k
@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!
Applied 8-30-12 for a joint account for Flagship Rewards Sig and we were approved for $17.5k. They pulled TU and mine was 747 and my joint's was most likely in the 760s I'm not 100% sure for her.
@beautybrainsbooty wrote:@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!
I always thought 0% utility resulted in a score decrease?
@beautybrainsbooty wrote:@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!
do let us know the results!
@calihlove75 wrote:
@beautybrainsbooty wrote:@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!
I always thought 0% utility resulted in a score decrease?
thats true and while the score comparision is ymmv but in the OP's case most instances where an app with nfcu is submitted and goes to review (3-5 day message) and a lender sees that I dont think it matters at all. If anything it should look better cause you are presenting yourself with zero debt