Re: Oh yeah! Cli to $20,000 on Paypal MC!!

BearsAndTurtlesRtheBest · ‎10-02-2012

You have HIGH CL on all GE cards which is awesome. How do you do it? Is it your income, credit history, ect.. According to your name your youngandcreitworthy. so how do you do it!?!?!?! I cant even be added as an AU due to lack of public records. Tell us your secret. hahha

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!

youngandcreditwrthy · ‎08-16-2012

I had a 670 something TU FICO at the time of initial approval. Now though, my FICOs range from 700-740'ish.

I really love GECRB; they have helped me get higher lines from most of my other creditors too.
Many of my GE and WFNNB accounts were some of my first in like 2007, and those lines have had a lot of time to grow! I do go on the occassional app spree though! Haha
The only thing I dislike about the Paypal MC is the interest rate!!! Haha

youngandcreditwrthy · ‎08-16-2012

I just started building my credit when I was 18. I have low util; I have no missed payments on my credit history... There really is no fast or easy way.. I mean, I do have a higher income. I never have been added on as an AU to any account.

BearsAndTurtlesRtheBest · ‎10-02-2012

Lucky for you! I just turned 18 and have been added as an AU this month and hope to be in your feet by the time im in my 20's. Congrats on all your success, and thanks for sharing!

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!

CreditChampion · ‎03-15-2012

Can you please give us income too? Just so we can have an idea how much it played.....

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
AMEX Zync NPSL(AU) Citi Forward $3k Discover More Student $1600 Wells Fargo Cash Back $1300 BankAmericard Cash Rewards $700 Chase Freedom $500 Capital One Journey Student Card $1250
Capital One Secured Card (AU) $251 Capital One Platinum (AU) $500

youngandcreditwrthy · ‎08-16-2012

sure.... It's almost $100k. So my total credit lines > my income.

kevinjjc · ‎01-14-2009

youngandcreditwrthy wrote:
Be sure to call an underwriting number :-)

What number did you call?

kobe2012 · ‎03-16-2012

How is your paypal acct reporting??? how would lenders know that its a mastercard and not a store card??? Just curious cause i know chase doesnt count store cards on their approvals (correct me if im wrong) .... I finally have two 5k limits but only store cards and was wondering if this would help me on getting higher limits visa/MC

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Cap1:$3.5k/Cap1:$2.5k/Freedom:$5k/Slate:3k/BCE:$1k/Zync: $500 PSL/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$1.5k

Default4 · ‎07-03-2012

kobe2012 wrote:
How is your paypal acct reporting??? how would lenders know that its a mastercard and not a store card??? Just curious cause i know chase doesnt count store cards on their approvals (correct me if im wrong) .... I finally have two 5k limits but only store cards and was wondering if this would help me on getting higher limits visa/MC

For me it reports as GECRB/PPXTRM.

Current Scores: TU 746, EX 755, EQ 724
Goal Scores: 760+
Last App: April 20, 2013
Cards: Cap1 Platinum, Discover it, AMEX Green, Paypal Extras, AMEX Delta Gold, Penfed Platinum Cash, and Chase Freedom.

kobe2012 · ‎03-16-2012

Default4 wrote:
kobe2012 wrote:
How is your paypal acct reporting??? how would lenders know that its a mastercard and not a store card??? Just curious cause i know chase doesnt count store cards on their approvals (correct me if im wrong) .... I finally have two 5k limits but only store cards and was wondering if this would help me on getting higher limits visa/MC

For me it reports as GECRB/PPXTRM.

Oh ok...i wonder if lenders know it's a MC

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Cap1:$3.5k/Cap1:$2.5k/Freedom:$5k/Slate:3k/BCE:$1k/Zync: $500 PSL/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$1.5k

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Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Re: Oh yeah! Cli to $20,000 on Paypal MC!!