05-13-2013 10:28 AM - edited 05-14-2013 11:25 AM
These are the credit cards that I applied for this weekend:
Wells Fargo - $8,000 (instant approval -- my husband and I have a joint checking and savings with them)
Chase Freedom - $5,000 (I had to call the backdoor number (twice) to get approval -- they asked a few questions about my credit file)
Chase Southwest Airlines -- $2,000 (I had to call the backdoor number to get approval -- they asked a few questions about my credit file)
Discover It - $1,500 (instant approval)
At the time of my apps I had one inquiry on each of my credit reports, a paid state tax lien, a charge-off from an old HSBC account and a few lates from 2008 on my Merrick account. Also, when I was looking up something at the County Recorder's Office, I noticed that a judgment had been entered against me by Discover in 1994 (probably from a Target Card that I defaulted on when I was younger). So, I guess I haven't been blacklisted by Discover.
I can't believe that just a year ago my scores across the board were in the low 500s. This forum has taught me so much about managing credit. With this success I'm heading to the garden for at least a year and putting my sub-prime cards in my sock drawer.
Along with the cards listed above, I also have the following:
Capital One - $7,500
JC Penney's -- $5,000
Victoria Secret -- $1,150
Merrick -- $600
Credit One -- $550
05-13-2013 10:54 AM
05-13-2013 12:24 PM - edited 05-13-2013 12:25 PM
Congratulations. Which credit bureau did Chase pull from?
05-13-2013 12:28 PM
The first pull was Equifax. When the credit analyst pulled a second time, she didn't say which one, just that it wouldn.t be Equifax.
05-13-2013 12:36 PM
May I ask what state you're in? I'm in Illinois and have heard they tend to pull from TU and EX most often.
05-13-2013 12:47 PM