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Moderator
09Lexie
Posts: 25,329
Registered: ‎09-13-2012
0

PayPal Approval!!!

Well, I decided to go ahead and pull the trigger and I'm glad I did.... I received an instant credit decision with a CL of $1,500 my largest by far!  I had received 'invitations to apply' for the past few months but never hit the button.

 

I decided to apply after my 3 tax liens were withdrawn from my credit file just a few days ago.  My question is should I try another card now? I really would like another prime like a Discover.  I had tried Chase and Barclays in September and was declined due to lack of revolving credit history.

 

My current util is 7%.  

Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

Re: PayPal Approval!!!

I think you stand a good chance with capital one. My husband was approved with a 3K limit when his score was roughly 620. I wanted to ask, how did you get your tax liens released? I have one for a piddly $138 and can't seem to get rid of it. Who did you contact?


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


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Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011
0

Re: PayPal Approval!!!


jandj80 wrote:

I think you stand a good chance with capital one. My husband was approved with a 3K limit when his score was roughly 620. I wanted to ask, how did you get your tax liens released? I have one for a piddly $138 and can't seem to get rid of it. Who did you contact?


Well, the IRS has a program to release tax liens...

 

Is yours IRS or state?

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Moderator
09Lexie
Posts: 25,329
Registered: ‎09-13-2012
0

Re: PayPal Approval!!!

If it is a federal lien, you can request to have them withdrawn if you meet certain criteria ( basically paying/making arrangements or if they are paid).   The whole process took less than 5 weeks!

 

If you like, you can pm me for more detailed information.

Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

Re: PayPal Approval!!!

It was a state lein in ND. Paid off almost two years ago. I would love to hear what I can do~ I emailed them to no avail. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge

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