Reply
Frequent Contributor
phillyguy12
Posts: 343
Registered: ‎03-16-2011
0

oh so tempting

hmmm i have come to the conclusion this forum is the work of the dark overlords. its ever so tempting to go on app spree seening all the new credit floating around, between hp cli recons, new app approvals  and pc's. i must resist i was already bad and stupid in feb and got a store card :smileysad: but it did end up getting me a $90 toaster for $10.59 and free dress shirt... yea i know im just trying to justify my momement of weakness.  i want BCE had zync fall of 11 and got the NPSL version, i had to dust it off since the packs are no more i took my autopays off it and swapped to my barcalys so i get 2x on them. but i think my shot at BCE is near 0 as of my last pull i have 2 paid collections showing i believe1  ages off after this month the other late this yr score is sitting at 675 cause of store card  over all ult is about 10% because of my toy limits, but i am starting to see some auto love from discover. im hoping barclays loves me this summer.

 

amazon store card 2500- fall 2010

discover 1900- summer 2012

barclay 1300 early 2013

credit union 1200 fall of 2011

credit one 1150 fall 2010- i know i knowi should shred it will next yr or when i get a fat cli bump from someone or amx gives me BCE

zync- high bal 2500 fall 2011

retail store 1000 feb 2013

 

i also have some old positve accounts from 99-2002 that are closed but still help my aaoa they will start falling off in a few yrs though, as for baddies most are aging off by fall of this yr someone will tell me not to go near BCE till next yr right????


Amx BCE-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: oh so tempting


phillyguy12 wrote:

hmmm i have come to the conclusion this forum is the work of the dark overlords. its ever so tempting to go on app spree seening all the new credit floating around, between hp cli recons, new app approvals  and pc's. i must resist i was already bad and stupid in feb and got a store card :smileysad: but it did end up getting me a $90 toaster for $10.59 and free dress shirt... yea i know im just trying to justify my momement of weakness.  i want BCE had zync fall of 11 and got the NPSL version, i had to dust it off since the packs are no more i took my autopays off it and swapped to my barcalys so i get 2x on them. but i think my shot at BCE is near 0 as of my last pull i have 2 paid collections showing i believe1  ages off after this month the other late this yr score is sitting at 675 cause of store card  over all ult is about 10% because of my toy limits, but i am starting to see some auto love from discover. im hoping barclays loves me this summer.

 

amazon store card 2500- fall 2010

discover 1900- summer 2012

barclay 1300 early 2013

credit union 1200 fall of 2011

credit one 1150 fall 2010- i know i knowi should shred it will next yr or when i get a fat cli bump from someone or amx gives me BCE

zync- high bal 2500 fall 2011

retail store 1000 feb 2013

 

i also have some old positve accounts from 99-2002 that are closed but still help my aaoa they will start falling off in a few yrs though, as for baddies most are aging off by fall of this yr someone will tell me not to go near BCE till next yr right????


I think I would jump in the Garden and try BCE next year. You have a strong lineup of cards but some are new. The collections being gone will definitely work to your favor!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: oh so tempting


LS2982 wrote:

phillyguy12 wrote:

hmmm i have come to the conclusion this forum is the work of the dark overlords. its ever so tempting to go on app spree seening all the new credit floating around, between hp cli recons, new app approvals  and pc's. i must resist i was already bad and stupid in feb and got a store card :smileysad: but it did end up getting me a $90 toaster for $10.59 and free dress shirt... yea i know im just trying to justify my momement of weakness.  i want BCE had zync fall of 11 and got the NPSL version, i had to dust it off since the packs are no more i took my autopays off it and swapped to my barcalys so i get 2x on them. but i think my shot at BCE is near 0 as of my last pull i have 2 paid collections showing i believe1  ages off after this month the other late this yr score is sitting at 675 cause of store card  over all ult is about 10% because of my toy limits, but i am starting to see some auto love from discover. im hoping barclays loves me this summer.

 

amazon store card 2500- fall 2010

discover 1900- summer 2012

barclay 1300 early 2013

credit union 1200 fall of 2011

credit one 1150 fall 2010- i know i knowi should shred it will next yr or when i get a fat cli bump from someone or amx gives me BCE

zync- high bal 2500 fall 2011

retail store 1000 feb 2013

 

i also have some old positve accounts from 99-2002 that are closed but still help my aaoa they will start falling off in a few yrs though, as for baddies most are aging off by fall of this yr someone will tell me not to go near BCE till next yr right????


I think I would jump in the Garden and try BCE next year. You have a strong lineup of cards but some are new. The collections being gone will definitely work to your favor!


What LS said is the best plan of attack

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Blogger
HiLine
Posts: 2,949
Registered: ‎10-19-2012
0

Re: oh so tempting

You recently got approved for Barclays, and you already have an Amex. I would think that you have a good shot at the BCE - a denial would do you no harm anyway. Unless you are planning to take out a big loan in the next year or 2, by all means go for it.

Frequent Contributor
phillyguy12
Posts: 343
Registered: ‎03-16-2011
0

Re: oh so tempting

i am thinking the earliest i would try for it would be after 6 month mark w/ barclays dont want aa from them, and i want them to show me some auto love this summer too, my fear is if i were to app for BCE now it would auto decline or just end up being another 1000 limit or less i remember the days when i would get a card w/ an inital limit of 2500 with next to no income, those days are long gone though, at least for me. but yea i think i will stay in the garden till next yr.


Amx BCE-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: oh so tempting


phillyguy12 wrote:

i am thinking the earliest i would try for it would be after 6 month mark w/ barclays dont want aa from them, and i want them to show me some auto love this summer too, my fear is if i were to app for BCE now it would auto decline or just end up being another 1000 limit or less i remember the days when i would get a card w/ an inital limit of 2500 with next to no income, those days are long gone though, at least for me. but yea i think i will stay in the garden till next yr.


Garden awhile and the days of those limits will return trust me.

I too am waiting on the 6 month mark to see if barclay will show me some love my 6 month is in June

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Frequent Contributor
codimom
Posts: 394
Registered: ‎09-08-2010
0

Re: oh so tempting

Patience you need... but enough with the Yoda impersonation.  I agree with LS, garden and show love to your Barclay's card for the next 6-12 months (if that is when the collections fall off).  Then after your garden grows a bit, I would go for the BCE.  Since you have a Zync, its a sp if you are denied .. and if you are denied you'll know what to work on!


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Moderator
Revelate
Posts: 9,477
Registered: ‎12-30-2011
0

Re: oh so tempting

[ Edited ]

HiLine wrote:

You recently got approved for Barclays, and you already have an Amex. I would think that you have a good shot at the BCE - a denial would do you no harm anyway. Unless you are planning to take out a big loan in the next year or 2, by all means go for it.


+1

 

Amex is the exception, 99% of existing member apps only get a SP for a denial and I can't imagine looking at the OP's profile that his would fall into the 1%.  TBH I suspect he'd get approved as long as income is fine and good history on the Zync which appears to be the case. 

 

OP: I agree that the forum is something of a temptress when it comes to being "good" but there are certain cases, and I think this is likely one if as HiLine suggests you have nothing important credit-wise coming up for the next year, to take a swing.  If it doesn't work, then wait until January next year to take another shot as others have recommended.

 

Paid collections are bad FICO-wise, but somewhat to mostly ignored by lenders.  Getting righteous eventually is in a whole different underwriting classification than never paying it back at all, and from the sounds of it your blemishes are long since in your past.  

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Frequent Contributor
phillyguy12
Posts: 343
Registered: ‎03-16-2011
0

Re: oh so tempting

[ Edited ]

i think im gonna wait till at least the fall because between now and sept i have a paid collection,a  charge off setlled less than full bal and a pd in full charge off, all falling off then i will just have 1 pd collection falling off in 14 and 2 120+ lates on sallie mae hanging out there scheduled to go positive in 2015, im working w/ consumer advocate to see if i can get them removed but not sounding hopeful, she said they dont remove accurate info any more, but is looking into the accounts further because i had auto pay setup on another account and there was forebarance at one point on the accounts in question if they come back no dice i am going to see if the time frame is right because they dont look right


Amx BCE-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Valued Contributor
indiolatino61
Posts: 1,479
Registered: ‎11-10-2012
0

Re: oh so tempting


phillyguy12 wrote:

hmmm i have come to the conclusion this forum is the work of the dark overlords. its ever so tempting to go on app spree seening all the new credit floating around, between hp cli recons, new app approvals  and pc's. i must resist i was already bad and stupid in feb and got a store card :smileysad: but it did end up getting me a $90 toaster for $10.59 and free dress shirt... yea i know im just trying to justify my momement of weakness.  i want BCE had zync fall of 11 and got the NPSL version, i had to dust it off since the packs are no more i took my autopays off it and swapped to my barcalys so i get 2x on them. but i think my shot at BCE is near 0 as of my last pull i have 2 paid collections showing i believe1  ages off after this month the other late this yr score is sitting at 675 cause of store card  over all ult is about 10% because of my toy limits, but i am starting to see some auto love from discover. im hoping barclays loves me this summer.

 

amazon store card 2500- fall 2010

discover 1900- summer 2012

barclay 1300 early 2013

credit union 1200 fall of 2011

credit one 1150 fall 2010- i know i knowi should shred it will next yr or when i get a fat cli bump from someone or amx gives me BCE

zync- high bal 2500 fall 2011

retail store 1000 feb 2013

 

i also have some old positve accounts from 99-2002 that are closed but still help my aaoa they will start falling off in a few yrs though, as for baddies most are aging off by fall of this yr someone will tell me not to go near BCE till next yr right????


I know what you mean...reading posts of people getting 5 approvals in a week doesn't help to motivate you to stay in the garden...:smileyfrustrated:

 photo Logo-CreditCardCollection-DataInclusive_zps2390ab7f.jpg

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}