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failed app spree!!

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phenom880
Established Member

failed app spree!!

  Well after working on my credit for a few months now and seeing my FACO scores jump from low 500's to mid 600's i thought it was time to try to get some credit.

 

1. Walmart store card-7-10 day message

2. Kohles store card-approved 300cl

3.shell gas card 7-10 message

4.Home depot 7-10 message

 

1 out of 4...guess i need to just relax and garden the cards i do have,its not a sprint after all.


Started my rebuild in 2013 with 500ish scores
Message 1 of 14
13 REPLIES 13
BMW_M-Series
New Contributor

Re: failed app spree!!

are you sure the 7-10 day messages are declines?

Chase Sapphire Preferred - American Express Platinum - American Express PRG -American Express SPG -American Express BCP - BofA Cash Rewards Visa Siggy - Citi TYP - Discover IT - PenFed Gold

In Garden
Message 2 of 14
phenom880
Established Member

Re: failed app spree!!

I called the backdoor number for walmart and its a for sure decline...have not called the others


Started my rebuild in 2013 with 500ish scores
Message 3 of 14
myjourney
Super Contributor

Re: failed app spree!!


@phenom880 wrote:

  Well after working on my credit for a few months now and seeing my FACO scores jump from low 500's to mid 600's i thought it was time to try to get some credit.

 

1. Walmart store card-7-10 day message 

2. Kohles store card-approved 300cl

3.shell gas card 7-10 message

4.Home depot 7-10 message

 

1 out of 4...guess i need to just relax and garden the cards i do have,its not a sprint after all.


Sorry for the denials 

Care to share your profile?

Maybe there's still hope

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 14
phenom880
Established Member

Re: failed app spree!!

few months ago i got a secured card from first progress 300 cl...Then did the shopping cart trick for express cl250 now i have the kohles 300cl

 

most recent credit report i have is from experian 10/09/13

1 CO for 182$

1 collections for 132$

car loan since sep/2012 never late

and never late on my cc

7 inq's before my app spree

38,000 anual income


Started my rebuild in 2013 with 500ish scores
Message 5 of 14
myjourney
Super Contributor

Re: failed app spree!!


@phenom880 wrote:

few months ago i got a secured card from first progress 300 cl...Then did the shopping cart trick for express cl250 now i have the kohles 300cl

 

most recent credit report i have is from experian 10/09/13

1 CO for 182$

1 collections for 132$

car loan since sep/2012 never late

and never late on my cc

7 inq's before my app spree

38,000 anual income


You said it best yourself "not a sprint"

You have not let the cards you have age yet and show enough history

Hit the garden for better results next time and work on the CO and collection while your waiting  IMHO 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 14
maiden_girl
Valued Contributor

Re: failed app spree!!

Are the scores in your signature current?

As of 2017, rebuilding...
Message 7 of 14
B335is
Moderator Emeritus

Re: failed app spree!!

Nothing ventured, nothing gained, congrats on the approval.  Are the Collection and CO paid?

Message 8 of 14
phenom880
Established Member

Re: failed app spree!!

No they came from annualfreecredit report begining of the year...I will update when i get some real FICO scores


Started my rebuild in 2013 with 500ish scores
Message 9 of 14
phenom880
Established Member

Re: failed app spree!!

the collection and the CO are not paid....will be working on A PFD for them both this week


Started my rebuild in 2013 with 500ish scores
Message 10 of 14
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