Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 23
Registered: ‎10-24-2012
0

Did I start to high?

I thought since I was trying to clean up my credit, I would my fiancés as well.  His is pretty clean other than 2 mortgages that were late 5 times all together.  One had 3 30 day and the other was a 30 day and 60 day.  So I emailed everyone at Wells Fargo trying to get the 30 and 60 gw, but they declined.  I received 2 separate letters from the "executive" office.  Where do I go from here?

Established Contributor
Posts: 581
Registered: ‎02-12-2011
0

Re: Did I start to high?

Get another mix of executive e-mails and snail mail addresses and prepare for another round. Like Shogun says, you only need 1 yes out of 99 no's. A no on your first GW  is a standard statistic.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: Did I start to high?

Ha, I've thought the same thing before, I know the feeling.  If the CEO won't say yes, who the hell would?  Luckily, there are people capable of it many levels down from that office, it's just a matter of getting one.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Member
Posts: 23
Registered: ‎10-24-2012
0

Re: Did I start to high?

Great!  Thank you...I will get another round out today Smiley Happy

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Did I start to high?

Use the shotgun method,  pull the trigger and see if it hits someone that will help.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.