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Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
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psecu

Just got off the phone with them.
Was told to apply for the amount you want and if they feel your dti doesn't justify it they'll counter.

So don't ask for 5k. Ask for the maximum send in the documents they request and sit back and enjoy.
Um, not too sure what credit scores they like.

But no credit > average or bad credit.
At least that was the case for me.

On my phone apologies for the errors.



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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: psecu


pineappledaydreams wrote:
Just got off the phone with them.
Was told to apply for the amount you want and if they feel your dti doesn't justify it they'll counter.

So don't ask for 5k. Ask for the maximum send in the documents they request and sit back and enjoy.
Um, not too sure what credit scores they like.

But no credit > average or bad credit.
At least that was the case for me.


What amount did you apply for??




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
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Re: psecu

I haven't remember im waiting to close on the house. But im thinking since no inq exists from them I can justify having one from them? So ill apply after the pull my ex scores. Ill apply for the maximum amount and let you know.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
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Current Score: 742 fico


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pineappledaydreams
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Re: psecu

But when I applied originally I asked for 2k since that would have been my highest cl by 1500. Lol now im going to ask for 20k
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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LS2982
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Re: psecu


pineappledaydreams wrote:
But when I applied originally I asked for 2k since that would have been my highest cl by 1500. Lol now im going to ask for 20k

I think I might take a HP in January and ask for the 20K myself, @12K currently.




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
Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
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Re: psecu

Is your dti good?
:smileyhappy: that's all the LO officer was concerned with really.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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pineappledaydreams
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Registered: ‎04-03-2012
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Re: psecu

I only had the card for a month. Should I wait? The LO said it doesn't matter when I apply
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
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Current Score: 742 fico


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LS2982
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Re: psecu


pineappledaydreams wrote:
Is your dti good?
:smileyhappy: that's all the LO officer was concerned with really.

Not pretty right now but will be in January! :smileyhappy:




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
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: psecu


pineappledaydreams wrote:
I only had the card for a month. Should I wait? The LO said it doesn't matter when I apply

I think you should wait until you've had it for 6 months. They may tell you that but it may turn up a denial too.




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
Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
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Re: psecu

Okay. Go for it who knows they might raise the limit. I think it's at 25k but dont qoute me.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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