Starting Score: 590 MyFico EQ
gNaRKiLL wrote:I got approved today as well after a long recon. The guy asked me all kinds of questions about the business and then my personal credit history, then came back and said ok Im gonna approve you for 5k! I couldnt believe he gave me that much. I just started my business in december.
What types of questions did he ask specifically? I just got denied for "having too many accounts with chase" which is obviously some kind of error cuz they didnt even do an inquiry on any of my credit reports....
Id like to call and recon but i wanna be prepared.
christopherb222 wrote:Wow I have opened 4 accounts in the last few weeks, but today was the best!! Chase ink cash credit limit of $2500!!
My personal TU is 660 equifax is 665. I have 5 trade lines reporting to business equifax and 6 to dun. My scores would be in the low 700's but I am at 89% UTIL which the lady asked me about today from Chase. I told her I was taking advantage of ZERO interest special and chose to carry balances. I also have $26K in a chase checking I opened Saturday. It was there at the branch when I opened the accout that the banker told me I was pre approved for any ink card. This is the same way I got my chase sapphire.
I also inquired about a 10K short term loan and the banker said with that much in the bank and good enough credit to get the sapphire and ink it would be no problem. I want a small loan like this to pay off in 6 months and then I am going to hit them up for 50K.
Christopher
I have about 60% untilization this month because im taking advantage of 0% financing with my Apple Barclays card....i wonder if that would make them look past the relatively high utilization in a recon tomorrow?
Congrats on your approval!!
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
Congrats to everyone who got approved after recon. Thanks to myFICO forum members posting things like phone numbers for recon etc, I applied and called shortly after to find out the status. I was told it was automatically declined but it looked like it was for some weird/stupid reasons.... They asked me some questions and approved me for $7500.
