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app spree

Valued Contributor

Re: app spree

That's great, nicely done. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor

Re: app spree

Congrats! Now back to the garden and let them grow.! Smiley Happy

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor

Re: app spree

Very nice spree results! Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Frequent Contributor

Re: app spree


iwazl71 wrote:

first time post....

 

decided last week to enhance my portfolio;

 

apps;

AMEX BCE approved --3700

Citi AA Plat Visa Signature approved --11500

Discover IT approved --3500

USAA Amex approved --6000

 

cli requests

JCP cli approved --250 to 1750

USAA MC cli approved --2000 to 3500

USAA Visa cli approved --2000 to 3500

Capital One Sony Visa cli approved --500 to 5000

 

 


Can these lenders not see these recent inquiries or do they just not care?  I"m confused because the numer of inquiries is supposed to be such a big deal in lenders approving new credit, then why do so many people get approved for 5-10 cards in a day?  Can they not see the new INQ's until the following day/week/month?

Moderator Emerita

Re: app spree

Inq's are instant. What they can't see are the new accounts. It depends on the lender and your credit profile if the number of inq's are excessive. After 6-7 inq's on someone with a long AAOA, that number probably won't hurt their score and a lender will not be as concerned. Same scenario with a short history, credit score is usually affected greater and the lender doesn't see an established credit history. Thus, they may be more concerned that a lot of new debt cannot be handled.

Frequent Contributor

Re: app spree


fittiger wrote:

iwazl71 wrote:

first time post....

 

decided last week to enhance my portfolio;

 

apps;

AMEX BCE approved --3700

Citi AA Plat Visa Signature approved --11500

Discover IT approved --3500

USAA Amex approved --6000

 

cli requests

JCP cli approved --250 to 1750

USAA MC cli approved --2000 to 3500

USAA Visa cli approved --2000 to 3500

Capital One Sony Visa cli approved --500 to 5000

 

 


Can these lenders not see these recent inquiries or do they just not care?  I"m confused because the numer of inquiries is supposed to be such a big deal in lenders approving new credit, then why do so many people get approved for 5-10 cards in a day?  Can they not see the new INQ's until the following day/week/month?


There are so many variables involved that it's pretty much a case-by-case basis. I applied for 9 CC's in one day & got approved for them all, I had to recon a few of them so I know the analyst's saw all my HP's but they didn't seem to care.

   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0