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Regular Contributor
Posts: 157
Registered: ‎01-30-2009
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Got bad credit? Card issuers want you again

http://money.cnn.com/2012/04/19/pf/credit-cards-bad-credit/index.htm?source=cnn_bin

 

Interesting read... I guess credit is loosening up again...

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Posts: 7,225
Registered: ‎09-16-2011
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Re: Got bad credit? Card issuers want you again

I've noticed that lenders are loosening up again... I've been able to get approved for some nice prime cards Smiley Happy


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Moderator Emeritus
Posts: 12,926
Registered: ‎12-30-2011
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Re: Got bad credit? Card issuers want you again

[ Edited ]

webhopper wrote:

I've noticed that lenders are loosening up again... I've been able to get approved for some nice prime cards Smiley Happy


That 717 in your sig line is a nice prime score... no surprise there Smiley Happy.  Now if Amex approves me before the end of the year, then maybe there's something to this, or if Chase decides to come out with that subprime-targetted card that has been rumored.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Got bad credit? Card issuers want you again

[ Edited ]

Revelate wrote:

webhopper wrote:

I've noticed that lenders are loosening up again... I've been able to get approved for some nice prime cards Smiley Happy


That 717 in your sig line is a nice prime score... no surprise there Smiley Happy.  Now if Amex approves me before the end of the year, then maybe there's something to this, or if Chase decides to come out with that subprime-targetted card that has been rumored.


I was surprised when the 718 popped up... I'm waiting for my scores to level out a bit before pulling my FICOs again.. I'm sure that the new accounts will probably knock me out of the 700 club... but I'm just waiting to see.  Everything in my Credit was as good as it was going to be after going through that mortgage h***ll 

 

On the plus side, I finally had the cajones to look up my judgement in the court system. It was dismissed actually in 2009. So I'm currently working on getting it removed from my EX and TU... hopefully my TU will rise as a result.  EQ currently does not report the judgement... I guess when I disputed it in 2009 after it was settled, they were the only ones that looked it up and saw it was dismissed by the court.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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