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HAHAHA.
Yes I know. It's just I went from a 502 to 711 in less than a month so I just REALLLLLY want to be approved for something.
Glad I talked it out though...I don't mind waiting a little longer.
Ok.. You've got some good answers, but I just want to throw my opinion.
Sept. 01 2012 I had $0 in revolving credit.
I applied for a an AMEX in Aug. of 2012, still have the denial letter in my desk.
So I thought this isn't working, I'm not applying for anything. Some members on here convinced me to get a GE backed Walmart card. I app'd. Got a card for $650 (I think that was the initial amount). I was ecstatic for it. My first revolv in years!
That opened the door to a whole new situtation. Fast forward to today.
Barclays NFL card
AMEX BCE
Citi TYP
Chase Freedom Siggy
Walmart
Lowes
Bank of Omaha AMEX
DiscoverIT
Lowest CL on those cards is the Barclays @ $4800
Oh, and that little Walmart card? It's at $6500
@09Lexie wrote:
I think you are hung up on what FICO uses for the purposes of a credit score. AAOA is approx 10% of your score. Lenders, however do not predicate their approvals on FICO alone. I personally have experience with declines due to lack of open rev credit history. Although, paid mortgages, car loans, and closed cc's etc were still reporting- lack of rev credit history is what brought me to myFICO last year.
Again, each lender has their own set of guidelines for approval. Why not better your chance with a little longer history?
And the holidays will be coming around pretty soon. I've found some to be more generous during that part of the year. That's just my opinion.