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Premature but Wildly Successful App Spree After Car Loan Pre-approval

Moderator Emerita

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval

Established Member

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval


HiLine wrote:

Awesome plan! Both the 4 new cards and the 1.9% APR car loan sound like killer deals to me! Smiley LOL

 

Just wondering though, do you know why they didn't approve you instantly? Do you have something not completely favorable on your reports? Robot Happy

 


I have a ton of inquiries on my Experian which most of them pulled. I now have 16 inquiries on Experian after the spree, however a couple of them are due to fall off next month per 2 year rule. I also have a bunch of new accounts that I opened up last year ~ 9 in total. So I think the computer automatically flags my apps for further review due to those two factors.

 

The big thing in my favor is the fact that I have a clean report with no derogotory remarks. I have never missed a payment and my reported util is extremely low at around 0.5% out of credit lines totalling of $98, 000+ before the spree.

Valued Contributor

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval

Very nice spree, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval

Nice app spree! I see you did recon call with Citi. Can you share what number you used for that call? I tried to recon a card earlier today and got a foreign call center, very scripted. Would love to try again before writing the EO. 

Established Member

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval


scenery_guy wrote:

Nice app spree! I see you did recon call with Citi. Can you share what number you used for that call? I tried to recon a card earlier today and got a foreign call center, very scripted. Would love to try again before writing the EO. 


Actually Citi wasn't really a recon. I got the pending message then I called the backdoor number the next day. I just couldn't wait for them to process the app on their own time. I think me calling definitely helped though. Smiley Wink

 

Anyways you can find all the backdoor numbers that I used today here.

Highlighted
Established Contributor

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval


NewYorkGuy wrote:

scenery_guy wrote:

Nice app spree! I see you did recon call with Citi. Can you share what number you used for that call? I tried to recon a card earlier today and got a foreign call center, very scripted. Would love to try again before writing the EO. 


Actually Citi wasn't really a recon. I got the pending message then I called the backdoor number the next day. I just couldn't wait for them to process the app on their own time. I think me calling definitely helped though. Smiley Wink

 

Anyways you can find all the backdoor numbers that I used today here.


Thanks bro, I will hit them up tomorrow. I got the "application received and we will contact you screen", assuming decline.