Scores are stuck- can they improve?

[Anonymous]

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@Anonymous wrote:

Thanks again to all who have helped. I'm not sure how to directly reply to an individual's comment- I thought I did but it didn't turn out right. I took the Cap One advice and was instantly approved for the Quicksilver One card today with a $3,000 limit! I was then immediately denied the Platinum card. ny idea why that is? Maybe because I just was approved for the other, or do the two cards have different qualification criteria! I am nervous about how this approval and denial will affect my scores, and am rossing my fingers that it indeed only counts as one pull! Ultimmately, I am feeling pretty good that I was finally approved for an unsecured line after all this time- proof that I am definitely heading in the right direction! I will also attempt to GW the USAA card and PDF the AFNI account, and hopefully that will push me over 700. Should I as for an increase in my CL for my US Bank card that was just graduated to unsecured last month, or give that some time?

Thanks again!

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This seems to be occurring more frequently - its usually one of two reasons: 1 - their app system sees an "in process application" even though the previous app was approved, or 2 - for whatever unknown reason they want to verify your personal info. Give them a call in a day or two and see if they can let you know which it was, or just wait for their email notification.

[Anonymous]

What wonderful, encouraging advice from everyone. I definitely noticed that the one month I carried a high balance on my card, the score dropped 26 points! I'll expect to me one big purchase on the new card amd pay it off, but leave around 8-9% on my other account. I will report back and let you knownif/how my scores change once this new account reports to the bureaus! And for now I suppose I will hold off on the CLI request from my other account. I've been very gun-shy with rebuilding, as I don't want to make a wrong move!

[Anonymous]

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This seems to be occurring more frequently - its usually one of two reasons: 1 - their app system sees an "in process application" even though the previous app was approved, or 2 - for whatever unknown reason they want to verify your personal info. Give them a call in a day or two and see if they can let you know which it was, or just wait for their email notification.

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Wanted to update you all with a few tidbits of info. I received a letter as to why I was denied the Cap One Platinum card, and it's as you described: " there is currently a pending or recently processed application with Capital One". Should I call them and ask them to reconsider the Platinum card? They stated that this would not affect my credit score. With that being said, my Experian score went down 6 points with the Cap One inquiry (presumably the Quicksilver card I was approved for). Scores are fickle, and I give up trying to understand them, haha!

Also, would it be wise to ask for a credit limit increase on my existing US Bank card that was recently unsecured?

Thanks again!

[Anonymous]

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@Anonymous wrote:

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This seems to be occurring more frequently - its usually one of two reasons: 1 - their app system sees an "in process application" even though the previous app was approved, or 2 - for whatever unknown reason they want to verify your personal info. Give them a call in a day or two and see if they can let you know which it was, or just wait for their email notification.

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Wanted to update you all with a few tidbits of info. I received a letter as to why I was denied the Cap One Platinum card, and it's as you described: " there is currently a pending or recently processed application with Capital One". Should I call them and ask them to reconsider the Platinum card? They stated that this would not affect my credit score. With that being said, my Experian score went down 6 points with the Cap One inquiry (presumably the Quicksilver card I was approved for). Scores are fickle, and I give up trying to understand them, haha!

Also, would it be wise to ask for a credit limit increase on my existing US Bank card that was recently unsecured?

Thanks again!

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Just re-apply.