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Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: There IS Hope for 21 and Younger CC Applicants

[ Edited ]

FabulousDtheBruin wrote:
Hi there! How does your current credit file look? Please list all Accts. open.

Open accounts

 

Ge/auto ($1,500)- march 2011

Golden 1 credit union student visa- ($1,000)-August 2011

citibank student foward visa(1,300)-febuary 2012

 

about 5 inquiries on Ex, most recent November 1, 2012 all others are one year old

Current overall utilization is 29%

AAoA= 1 yr 4 months

Pretty clean report no negatives

 

New Contributor
FabulousDtheBruin
Posts: 93
Registered: ‎10-19-2012
0

Re: There IS Hope for 21 and Younger CC Applicants

Mmkay, great! That all looks good!! If you don't mind...what is your salary (gross) that you report on your Apps? This important because if the debt-to-income ratio.
AmEx BCE - 2K, Clear from AmEx - 2K, Bank of America Travel Rewards - 10K, Chase Freedom - 4.3K, U.S. Bank College Visa - $600, Discover More Card - 7K, Citi Dividend Card for Students - 2.1K, Barclay Rewards MC-2.5K, Macys Red Card-1.8K, Bank of America AmEx-15K, Banana Republic Visa-2.5K, Chase CSP-10K, Chase Saphire-5K,
Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: There IS Hope for 21 and Younger CC Applicants

[ Edited ]

I'm a full time student and I work part time, this past year I made $9,800. I think my income will haunt me :smileysad:

 

work worth noting I pay no rent nor am I financing a vehicle. Live at home 20 years old

New Contributor
FabulousDtheBruin
Posts: 93
Registered: ‎10-19-2012
0

Re: There IS Hope for 21 and Younger CC Applicants

Got it! I messaged you. :smileyhappy:
AmEx BCE - 2K, Clear from AmEx - 2K, Bank of America Travel Rewards - 10K, Chase Freedom - 4.3K, U.S. Bank College Visa - $600, Discover More Card - 7K, Citi Dividend Card for Students - 2.1K, Barclay Rewards MC-2.5K, Macys Red Card-1.8K, Bank of America AmEx-15K, Banana Republic Visa-2.5K, Chase CSP-10K, Chase Saphire-5K,

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