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Does CCC's keep track of when someone app's for their card and have been denied, so if you app with them again they know if that person has app'd for the same card before?
12/13/09 - FICO EQ:616 TU:673
@Gibran wrote:Does CCC's keep track of when someone app's for their card and have been denied, so if you app with them again they know if that person has app'd for the same card before?
12/13/09 - FICO EQ:616 TU:673
Message Edited by Gibran on 12-15-2009 02:38 PM
They do for no more than 90 days. That gives you a chance to recon if declined, and them a chance to consider the application they already have. But they will want a fresh credit report.
I know when I tried for Cap 1 this past summer, I was denied. Letter said because of past history. (CO...PIF) Cap 1 will drop off EX in summer 2010.
For me....they have a very long memory.
Back in Oct I had app'd for a best buy MC, of course I was denied..I never got ym 30 day letter although I'm sure it was because I didn't have any revolving credit lines showing on my report. My last account was closed last year by the bank, since then I've gotten a CapOne, HSBC MC, Macy's, Zales (all in 10/09). All PIF every month. So I was thinking of app'ing for the Best Buy card again (I shop there on a regular basis). But I was wondering if I should hold off until sometime next year, I already 7 inq's on my report. Any thoughts?
12/13/09 - FICO EQ:616 TU:673
@Gibran wrote:Back in Oct I had app'd for a best buy MC, of course I was denied..I never got ym 30 day letter although I'm sure it was because I didn't have any revolving credit lines showing on my report. My last account was closed last year by the bank, since then I've gotten a CapOne, HSBC MC, Macy's, Zales (all in 10/09). All PIF every month. So I was thinking of app'ing for the Best Buy card again (I shop there on a regular basis). But I was wondering if I should hold off until sometime next year, I already 7 inq's on my report. Any thoughts?
I'd be sitting tight with what I had right now and letting it age a bit. You don't want to start wasting inquiries by getting turned down for "having too many inquiries."
@Gibran wrote:Back in Oct I had app'd for a best buy MC, of course I was denied..I never got ym 30 day letter although I'm sure it was because I didn't have any revolving credit lines showing on my report. My last account was closed last year by the bank, since then I've gotten a CapOne, HSBC MC, Macy's, Zales (all in 10/09). All PIF every month. So I was thinking of app'ing for the Best Buy card again (I shop there on a regular basis). But I was wondering if I should hold off until sometime next year, I already 7 inq's on my report. Any thoughts?
12/13/09 - FICO EQ:616 TU:673
I would venture to say you would have a shot. I apped for Best Buy card in September. Turned down. I have 7 inquiries recent with a new credit one account and new HSBC MC account both less than 3 months old. My Eq is a 635 and I apped last week for Best Buy RZMC again and to my surprise approved for $300. So new CC accounts, as many inquiries and only slightly higher score. But of course YMMV.
That's probably what I'll do, just tight and raise my score. Thanks for everyone's input, this is a great forum, I have learned ALOT.
12/13/09 - FICO EQ:616 TU:673
@Gibran wrote:That's probably what I'll do, just tight and raise my score. Thanks for everyone's input, this is a great forum, I have learned ALOT.
12/13/09 - FICO EQ:616 TU:673
Patience can be the hardest thing to learn about credit.
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
CC interest free as of 8/09
"Hello my name is Sandy and I'm a recovering crediholic".
@MarineVietVet wrote:
@Gibran wrote:That's probably what I'll do, just tight and raise my score. Thanks for everyone's input, this is a great forum, I have learned ALOT.
12/13/09 - FICO EQ:616 TU:673
Patience can be the hardest thing to learn about credit.
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
CC interest free as of 8/09
"Hello my name is Sandy and I'm a recovering crediholic".
oh my goodness, tell me about it!!!