Re: Wells Fargo said yes!!!

badgerviper · ‎08-07-2012

Do you happen to know your credit score and which CRA they used? Oh and which state you live in. I've also been rebuilding my credit for a couple years now and am at TU 644 / EXP 674 / EQ 702 and would like to apply for the card since they are always inviting me to apply....but I really don't want an inquiry if I don't need to. I only have 1 right now so I'm not too worried about it but I'm so ecstatic I'm finally 700+ on at least one CRA that I really don't want to lower that score! I also couldn't find much info on which CRA they pull from and I'd be bummed if I got denied because they pulled TU....

In re: to your question, I would keep them open until you establish your card a little while longer. Like you, I also have Cap One cards that help contribute to the average age of my accounts. I keep them open despite their horrible CL ($500 each x 2). Average age of accounts can help lower/raise your score.

P.S. Congrats on rebuilding your credit!!!!

CruzImperial · ‎07-04-2012

Congrats !! That´s a terrific limit and the rebuilding is surely paying off

I´ve heard good things about Wells Fargo yay!

jsucool76 · ‎12-11-2011

WF is good about giving cards to their customers. The banker who did my app at the branch said they actually take your bank accounts into consideration during the process.

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

webhopper · ‎09-16-2011

Congrats! I agree with closing any cards with fees.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

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LionLaw · ‎06-10-2012

Congrats! WF was the first to give me a card when I was just getting back on my feet; having multiple accounts in good standing with them definitely helped. It's still my go-to card.

Starting Score: 617 (EQ 6/10/2012)
Current Score: 694 (EQ 02/24/2013) 704 (EX 02/20/2013 lender pull)
Goal Score: 700
Discover it $2,000 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $1,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

elmolina74 · ‎03-29-2010

They pulled EXP which at that time wasmy highest score at 725 I believe (TU & EQ were in the high 600's). I had two inquiries on that report and I'm in CT. I hope this info helps!

elmolina74 · ‎03-29-2010

And thank you all for your kind words!!

Cranski · ‎07-21-2012

badgerviper wrote:
Do you happen to know your credit score and which CRA they used? Oh and which state you live in. I've also been rebuilding my credit for a couple years now and am at TU 644 / EXP 674 / EQ 702 and would like to apply for the card since they are always inviting me to apply....but I really don't want an inquiry if I don't need to. I only have 1 right now so I'm not too worried about it but I'm so ecstatic I'm finally 700+ on at least one CRA that I really don't want to lower that score! I also couldn't find much info on which CRA they pull from and I'd be bummed if I got denied because they pulled TU....

In re: to your question, I would keep them open until you establish your card a little while longer. Like you, I also have Cap One cards that help contribute to the average age of my accounts. I keep them open despite their horrible CL ($500 each x 2). Average age of accounts can help lower/raise your score.

P.S. Congrats on rebuilding your credit!!!!

Always pulled EQ, for auto and cc's. NC, US.

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)

Smug · ‎12-21-2010

I closed my low toy cards, helped me get higher limits now my cards are in the 10K-14K range.

Experian® 710/Equifax® 655/TransUnion® 720
Baddies Experian® 2/Equifax® 2/TransUnion® 1/
Last App 2012
Total Credit $99,190.00
Goal 780!

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Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!

Re: Wells Fargo said yes!!!