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Why all the hard pulls?!?

Moderator Emerita

Re: Why all the hard pulls?!?

Like I said...gotta be a little longer in the tooth. I can't remember the number but I'm pretty sure your AAOA needs to be between 6-12 yrs and you need acct history a lot longer than - that probably 20yrs.

I'm sure someone can give the specifics but based on your moniker, I'm not sure you are old enough now to have reached the oldest account threshold.

Having CL in excess of $100k will not help unless you need it for util. 😮
Message 11 of 40
Highlighted
Regular Contributor

Re: Why all the hard pulls?!?


youngandcreditwrthy wrote:
 
And I have a little more than a month to ask Amex for $24,500! Lol

Message 12 of 40
Established Contributor

Re: Why all the hard pulls?!?


culture wrote:

youngandcreditwrthy wrote:
 
And I have a little more than a month to ask Amex for $24,500! Lol


LOL


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 13 of 40
Senior Contributor

Re: Why all the hard pulls?!?

Oh gosh. Hahaha Amex doesn't care about TU :-P
I hope that's who Barclay's just pulled 😳
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 40
Valued Contributor

Re: Why all the hard pulls?!?


youngandcreditwrthy wrote:
LOL..
I don't have $100k with GE yet haha.
Like maybe 85-90k.

I don't need it... Lol it's part of my plan to have stellar credit. I've got to get to the 800 club somehow! Lol

I pif all of those GE accounts except the Paypal MC one. That has pretty decent rewards though! Lol



Heh, I'm just addicted to that "APPROVED" feeling. Haha

It's been six months as of 04/24/13 since I got a cli on Barclay's. they did auto cli me previously at the 7th month.

The garden is just boring as heck. Lol

Unfortunately, I'm afraid you'll have to change your name to "Oldandcreditwrthy" to get into the 800 club.  Smiley Very Happy

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 15 of 40
Moderator Emerita

Re: Why all the hard pulls?!?

@android01

I tried to tell 'em. Need a little age on them - lot more. Lol
Message 16 of 40
Senior Contributor

Re: Why all the hard pulls?!?

Nuh uh! Not if I somehow get to 800 in the next year or two lol prob won't happen unless I can magically pay off $40k+ in student loans hhahha!!
Would student loans prevent me from
Getting to an 800 FICO?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 17 of 40
Moderator Emerita

Re: Why all the hard pulls?!?

I don't see how that can happen with your AAOA so low PLUS you can't stop apping! Lol
Message 18 of 40
Senior Contributor

Re: Why all the hard pulls?!?

Hey! I havent apped on TU in almost seven months! You hush!
Lol is 2.5 years a low aaoa?
Seems like folks are getting approved with barely even aaoa of 1 year these days!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 40
Valued Contributor

Re: Why all the hard pulls?!?


youngandcreditwrthy wrote:
Hey! I havent apped on TU in almost seven months! You hush!
Lol is 2.5 years a low aaoa?
Seems like folks are getting approved with barely even aaoa of 1 year these days!

Yes...its low.  I have 36 open accounts/loans with an AAoA over 10 years.  I dont want more than 10k credit with GE and that will be on my GE Walmart Discover card.  Its not needed.  Be careful that you dont bite off your nose inspite of your face.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 20 of 40