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Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Old Navy auto CLI

Today was an awesome day! I just logged into my Old Navy account and was surprised to see an auto CLI from 200 to 600! Not a huge increase but it is my first AUTO increase!!! Only 2 statements have cut and I am currently in the middle of the third month...and let's see - oh yah...INSTANT APPROVAL for AMEX Zync NPSL!!! Always been like a dream to get in with AMEX. Still in shock that I was approved! Since I was approved though - I went ahead and apped for the AMEX Blue but it is awaiting approval. I am really hoping that I get both cards for 1 HP. If not, I will take care of what I got!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Frequent Contributor
Posts: 375
Registered: ‎01-20-2012
0

Re: Old Navy auto CLI

Congrats, way to go!

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: Old Navy auto CLI

CONGRATS!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Old Navy auto CLI

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: Old Navy auto CLI

Thanks everyone! I owe it all to this forum for all the information that I have gotten over the past year. Still no update on the Blue app yet but should be able to find out today. Will update once I know something.

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Super Contributor
Posts: 6,587
Registered: ‎04-07-2008
0

Re: Old Navy auto CLI

Nice !!

 

The next step - an offer to PC to the Visa version




Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: Old Navy auto CLI

That would be too awesome! Maybe that will come my way one day.

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: Old Navy auto CLI

Ok. Maybe I misunderstood. Yesterday, I was approved for an AMEX Zync and so I apped for the Amex Blue thinking that it should be a SP unless approved. Or at least they would base a decision on the same CR. They pulled EX yesterday for the Zync. Well apparently I was wrong. They pulled my EQ today for what I can only assume was the Blue app. Is this a common occurence or should I contact them and ask why they pulled another report? Both my EQ and my EX reports are identical. Both show 1 paid collection that will fall off at the end of this month. Nothing else. No lates, no PR - granted my AAoA is only 2 1/2 years on each. Maybe my report was so "borderline" that they felt the need to pull another credit agency? Regardless, I was denied. I will call them after work to see if I can find out why. Bummer...

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Frequent Contributor
Posts: 375
Registered: ‎01-20-2012
0

Re: Old Navy auto CLI

Sounds about right. It would seem you qualified outright for the Zync but for the additional Amex you were borderline so they pulled a different bureau's report.

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: Old Navy auto CLI

oh....well shoot! That's ok...time is on my side. Nothing I can do now but sit and wait....and wait...and wait...

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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