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New Contributor
Posts: 55
Registered: ‎11-21-2012
0

Happy Dance Approval

Well I've been hard at repair for a little over a year and have got my TU score up just shy of 100 points. Been gardening my Capital One Secured ($201 CL) and Capital One Rewards ($750 CL) for almost 2 years. Decided to pull the trigger on a Barclay NFL Extra Points card today since they pull TU and got an instant approval for $1900. Oh man does all that hard work feel good today! Thanks to all of you! I don't post much but I have spent hours on here reading an researching! Merry Christmas!



Starting Score: Fico TU 571 (11/21/12)
Current Score: Fico EX 719 (04/23/14) Fico EQ 681 (04/18/14) Fico TU 713 (03/31/14)
Goal Score: 720+


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Valued Member
Posts: 38
Registered: ‎07-25-2012
0

Re: Happy Dance Approval

It's a good feeling!!!  Congrats to you.  :smileyvery-happy:

BK ch7 filed 6/11 - Discharged 11/11
FICO EQ 648 TU 639 on 7/12
Current: EQ 703 TU 691 EX 675

Cap1Plat $4000. Cap1QS $3000. VS $1200. BarclaysVisa $8050. DiscoverIT $ 1000. Amazon 1200. Walmart 600.
Gardening till 1/2015
Moderator
Posts: 13,869
Registered: ‎04-15-2011
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Re: Happy Dance Approval

Congrats...  I have that card too, and personally, I love it!



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+
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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!
Super Contributor
Posts: 6,157
Registered: ‎09-13-2013
0

Re: Happy Dance Approval

:smileyhappy: Congrats!!


New Contributor
Posts: 50
Registered: ‎02-21-2012
0

Re: Happy Dance Approval

[ Edited ]

What would be my chances of getting approved?

 

EX FICO: 682, EQ FICO: 641, TU FICO: 655

 

All of my bad accounts just dropped off with the exception of one medical collection for $2,200 that is only a year and a half old.  I plan to try and PIF for a delete with my tax return.  I just can't pay it now.  I have a handful of 30 day lates from 2008 and one from the beginning of the year.  My two auto loans ( Honda Financial and Capital one auto) are in perfect standing.  I also have some student loans on deferement. 

 

The only line of credit that I currently have is a secured capital one card for $200.  I've had it for a little less than two years and I have a perfect history with it.

 

I really want to dd another if of credit to my credit profile and increase my utilization.  I'm just afraid that my one collection will keep me from moving forward.

 

 

Community Leader
Senior Contributor
Posts: 4,702
Registered: ‎11-13-2012
0

Re: Happy Dance Approval

Congrats! Nice work :smileyhappy:

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Last app 01/15/2015
New Contributor
Posts: 55
Registered: ‎11-21-2012
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Re: Happy Dance Approval

[ Edited ]

@howiez28  In my personal experience I couldn’t get any unsecured cards other than Capital One to touch me with collections, I tried a few like Wal-Mart. My final 3 collections just fell off as well and my TU score went from 629 to 667 which is the reason I decided to apply. The only negatives I have left are 14 defaulted student loans with 0 balances because they were consolidated with direct loans about 3 years ago. They are near the end and due to fall in March '14 so I'm sure that helped.

I got the Capital One secured card first then after about 6 months applied for the Capital One Cash Rewards card and was approved for $500. After another 3 months it went to $750 as part of their credit steps program.  Nothing after that for nearly two years, tried the online CLI twice in that time since it’s a SP but was not approved. Basically I just did PFD, GW, and waited out the last 3 collections since they wouldn’t work with me.

Hope that info helps you decide. I think your scores are close to the range but I’m not sure how they will look at that collection, maybe some of the vets around here will have a better answer.



Starting Score: Fico TU 571 (11/21/12)
Current Score: Fico EX 719 (04/23/14) Fico EQ 681 (04/18/14) Fico TU 713 (03/31/14)
Goal Score: 720+


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Frequent Contributor
Posts: 393
Registered: ‎10-06-2013
0

Re: Happy Dance Approval

Congrats on your gift from Santa...

Super Contributor
Posts: 6,157
Registered: ‎09-13-2013
0

Re: Happy Dance Approval

@howiez28 most of the big players have pre-approval sites where you can see what you may be qualified for without a hard pull. I think you have a good shot of picking up a couple. Especially Barclays if you don't have a lot of inqs on Transunion.

Super Contributor
Posts: 6,157
Registered: ‎09-13-2013
0

Re: Happy Dance Approval

@howiez28 also try some of the GE cards like Walmart, Amazon, etc. I think you have a really good chance with those as well.

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