Suggestion: Credit Card Approvals!

[Anonymous]

APPROVED CREDIT CARD: Community 1st CU Visa

BUREAU PULLED: Unknown

CREDIT SCORE: 650sh?

CUSTOMER STATE OF RESIDENCE: FL

AAOA: 6 months or 4.5 yrs (My 2 oldest cards were closed so this went from 4.5 yrs to 6 months, unsure exactly when)

UTILIZATION: 0% or 99% (dependnding on timing as morgage hit around the same time)

HHI:

CREDIT LIMIT: $500

MISCELLANEOUS COMMENTARY: 8% interest (which surprisingly I haven't gotten any interest fees since I've had it with any balance), no annual fees. As mentioned above, I had a brand new morgage that I closed on months before opening for the card, but unsure of if it hit before or after. Also have a TON of inquiries, due to car and mortgage shopping (when I was shopping for a car I decided the same month to instead apply for a mortgage and to my surprise got approved!) I'm also young (23) so not much of a history.

For new credit starters- I currently have a Mortgage and a new car loan- which make my utilization 99% accoridng to reports. I have no other credit aside this card now which I use very often, but usually pay to $0 or very close every month or every other. I believe when I applied for this card I was at 4.5 yrs AAoA and 0% utilization since everythign on my credit was paid off and mortgage and new car was not on the CR's yet (their inquiries were though). I do have two late accounts with 90 & 120 days past due (2007) one small collection, and as mentioned a TON of inquiries.

It's a start, but I'm workign my way up!

[tinuviel]

(I forgot about this thread or I would have posted a couple of weeks ago)

APPROVED CREDIT CARD: Dillard's AMEX
BUREAU PULLED: TU
CREDIT SCORE: 646

CUSTOMER STATE OF RESIDENCE: FL
AAOA:  9yrs
UTILIZATION: 18%

HHI: 

CREDIT LIMIT: 700

APPROVED CREDIT CARD: JC Penney
BUREAU PULLED: TU
CREDIT SCORE: 646

CUSTOMER STATE OF RESIDENCE: FL
AAOA:  9yrs
UTILIZATION: 18%

HHI: 

CREDIT LIMIT: 200

[tinuviel]

APPROVED CREDIT CARD: Dillard's AMEX
BUREAU PULLED: TU
CREDIT SCORE: 646

CUSTOMER STATE OF RESIDENCE: FL
AAOA:  9yrs
UTILIZATION: 18%

HHI: 

CREDIT LIMIT: 700

APPROVED CREDIT CARD: JC Penney
BUREAU PULLED: TU
CREDIT SCORE: 646

CUSTOMER STATE OF RESIDENCE: FL
AAOA:  9yrs
UTILIZATION: 18%

HHI: 

CREDIT LIMIT: 200

[jason86423]

APPROVED CREDIT CARD: USAA Platinum MC
BUREAU PULLED: Equifax
CREDIT SCORE: 696
CUSTOMER STATE OF RESIDENCE: MI
AAOA: 3.8yrs
UTILITIZATION: 21.2%

HHI: Private

CREDIT LIMIT: $4000

MISCELLANEOUS COMMENTARY: Several new accts last 12 months

[stone4779]

Thats rediculous...700 club and a $500 limit?

I going to be canceling my CapOne card.

Ill send that $3/mo fee to a savings account instead lol..

[nyqutie]

APPROVED CREDIT CARD: Walmart Credit Card
BUREAU PULLED: TU
CREDIT SCORE: 657

CUSTOMER STATE OF RESIDENCE: GA
AAOA:  7yrs
UTILIZATION: 4%

HHI: 

CREDIT LIMIT: $1,400.00

Comments: At the time of the application I had (4) SL tradelines reporting lates.  ACS had (2) 60 day lates and (4) 90+ days late from 2009 and 2010 (hadn't been removed until after the application).  I also had (3) Sallie Mae tradelines reporting lates (2) 90+ from 2005.  In addition, I had two new accounts my Public Savings credit card 4 months old $1000.00 credit line, and a secure loan from my credit union 1 month old $1000.00 dollars as well.  NOTE: Applied online INSTANT approval I only had (1) inquiry on my TU file.

[echoguy32]

APPROVED CREDIT CARD: NFCU
BUREAU PULLED: TU
CREDIT SCORE: 668

CUSTOMER STATE OF RESIDENCE: AZ
AAOA:  6.5yrs
UTILIZATION: 18%

HHI: 100K

CREDIT LIMIT: $10,000

Comments: No lates in past 2 yrs with 2 secured CC (USAA 1500.00 Applied Bank 750.00), Auto loan. One collection from 2008 that would not PFD. 

[MamboItaliano]

This was a brilliant thread that I bookmarked a long time ago and was great help to me. I'd like to see it get going again.

[MamboItaliano]

APPROVED CREDIT CARD: Northwest Federal Credit Union
BUREAU PULLED: EX (but I had an HP on EQ too)
CREDIT SCORE: At the time (2 months ago) it was EX of 623 (I had a util of 40%) and a EQ of 668. They only used my EX to determine interest rate.
CUSTOMER STATE OF RESIDENCE: VA
AAOA: 3.9 years
UTILITIZATION: EX = 40%

HHI: 45k (I only used my own and only used my one job) 

CREDIT LIMIT: $3,000 (Applied for 10k originally, got 2k, but I asked for a recon and got 3k)

MISCELLANEOUS COMMENTARY: Friendly people to work with and handled my recon based on nothing more than "I'm actually a really good guy and am very responsible." 

[Revelate]

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@MamboItaliano wrote:

This was a brilliant thread that I bookmarked a long time ago and was great help to me. I'd like to see it get going again.

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I think it's mostly irrelevant now as a result of the credit pulls database and that whogavemecredit site someone has linked previously.

Searching through a thread just doesn't compare.