Reply
Regular Contributor
tiger67
Posts: 163
Registered: ‎09-23-2008

results of weekend mini app spree

I had been impatiently waiting for my mortgage refi to close Fri before applying for a few new accounts. So, Sat I pulled the trigger online for the three accounts I’ve been planning.  All told it was a fairly successful weekend, with a few blunders on my part:

AmEx Green Rewards – approved (now I have to call CS and have my account re-dated to 1988)

Addison Avenue Platinum Cash Back Visa – approved 10,000 CL @ 5.24% (after calling CS)

Alliant – 3-5 days.  I screwed up a security question (couldn’t remember my old phone number):smileysurprised:

 

When applying at Addison, I should have applied through the CC app, not the share account. I had to call CS and apply for the credit card separately. The rep said the membership app was only a soft, so hopefully I only used 1 inquiry. I will pull a report later today to confirm.

 

Prior to apps:     EQ 750, TU 762, EX 750

                           5 inquires in 12mo (2 from mortgage app 3 weeks ago)

                           1 (30) day late 3 years ago

                           1% util, 1 new account in last 3 years

Regular Contributor
FocusOnFICO
Posts: 180
Registered: ‎05-01-2009

Re: results of weekend mini app spree

Congratulations Tiger--you will like Addison and after the Alliant security is straightened out you should get a good line, too.

Starting Score: TU 766 EQ 788
Current Score: TU 788 EQ 811
Goal Score: TU 800 EQ 800


Take the FICO Fitness Challenge
Frequent Contributor
writemikep
Posts: 277
Registered: ‎10-21-2008

Re: results of weekend mini app spree

tiger67, congrats on the AMEX approval!  Hope the back-dating goes smoothly.
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009

Re: results of weekend mini app spree

The backdating will be automatic, no need to call.
Regular Contributor
tiger67
Posts: 163
Registered: ‎09-23-2008

Re: results of weekend mini app spree

Thanks Mike. I'll let you know.

 

YE: Yes I'll have to call. My account was closed around '92 and no longer shows in their system. I have copies of credit reports from '96 that will have to be faxed in.

 

Side note:  AmEx pulled EX only, Alliant pulled EQ only. Addison must have pulled either TU or EX because I just pulled an EQ report and nothing shows. The alert should arrive tonight.

Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009

Re: results of weekend mini app spree

My mother had an AmEx card opened in '89. I don't know when she closed it but when she was approved for the AmEx Delta Skymiles card last year, the opening date reported as 1989 on her credit reports. She didn't need to contact them.
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: results of weekend mini app spree

Their systems on this matter, as in most others, are inscrutible. Sometimes the information is there and sometimes it isn't. When it isn't you have to come up with the proof. If you have the goods you are good - if not, well, you'll have to dig deeper.
Regular Contributor
tiger67
Posts: 163
Registered: ‎09-23-2008

Re: results of weekend mini app spree

After faxing 3 proof of id's and 2 phone calls I was approved for membership. I had to waste another inquiry to request the platinum visa rewards account. After emailing 2 pay stubs........... Approved 10,000 CL!

Regular Contributor
tiger67
Posts: 163
Registered: ‎09-23-2008

Re: results of weekend mini app spree

I'd been planning to do this once some of my 7 inquires fell off, but I thought since the new accounts hadn't post, wth .After my recent success, I decided to go ahead and app PenFed now.

 

Instant Approval: $10,000 Cl.

 

YesYesYesYesYesYesYes!

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: results of weekend mini app spree

Nice PenFed approval! Congrats!

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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+