10-29-2011 04:09 AM - edited 10-29-2011 04:26 AM
Well, my app spree has come to an end. I just called the new account number and it said that I was approved. It started last Saturday with Cap1 emailing me that they were sending me a new card for $2K. Then followed by AMEX Zync, Discover More $5K, and Citi Plat. While I was waiting for the approval, I did a credit check for the first time here on myFico, and I was very surprised at my scores. My scores on USAA 3 in 1 credit monitoring are much lower. I know, USAA scores are fakes, so at the end of the day, I am quite happy and CONTENT with the decision to go on the apps spree. Now, it is time to garden my cards.
10-29-2011 09:05 AM
Congrats, I see my scores aren't too far from yours. So that does give me hope. I was denied a Citi Dividends a few months back, which was humbling. Can you share your credit profile with us? Any baddies?
10-29-2011 09:37 AM
Congrats! Sounds like you'll be spending some time in the garden club! see you there!
10-29-2011 10:17 AM
I had a "charge off" that was removed 3 weeks ago. The only other baddies are 90, 60, 30 days late back in 2008. As of matter of fact, Discover asked about those and I explained I was doing rapid deployments during this time frame. She did note that I have been late with a payment since 2008, so I know that's has a lot to do with it. I called Citi today, and was told my limit will be $2,6K. Not to bummed out since their 0% xfer was for 21 months. Well, I just xfer my Dell 25.99% balance to Discover for the 0% for 15 months deal.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.