topic Re: Mini Spree approvals in Credit Card Approvals

Mini Spree approvals

Anonymous — Thu, 11 Nov 2021 19:09:37 GMT

Hi guys, it's been about a year since I've engaged here(rebuilding my credit) but I've been in the garden to work on my scores as I was looking to refinance home.

And we have lot of missed payments(2017, 2019 and 2020), 1 CC charge off and closed accounts. During covid time paid off 90k+ CC loans and brought the uilization to under 1% for me and DW accounts during the last 12 months. Our scores came back up into low 700's(from 600's), also completed home refinance. last week I did apply a Mini Spree (5 new applications(all approved) for myself and 5 applications for my DW(1 got denied).

My apps(new approvals & CLI ):

BOA - 14k

DIS - 9K

penfed - 6k

FNBO: 15k

Amex GOLD - charge card

capital one - CLI - from 1k to 3k

My DW apps(new approvals&cli):

BOA - 15k

Penfed: 12.5k

FNBO: 15k

WF - Denied(reason too many late payments)

Elan(FID) --16.5k(finally got approved email after 7 days)

capital one CLI - from 5k to 7.5k

Re: Mini Spree approvals

Timbo9205 — Mon, 08 Nov 2021 21:28:07 GMT

Congratulations to you both!

Re: Mini Spree approvals

coreyb80 — Mon, 08 Nov 2021 21:35:08 GMT

Congrats on the approvals and paying down that debt as well, excellent work!

Re: Mini Spree approvals

Anonymous — Mon, 08 Nov 2021 21:42:10 GMT

Wow! Excellent approvals and congrats! I am hoping the one in pending review would be approved too. I am happy to hear you have a nice large bump on your scores. Congrats!

Re: Mini Spree approvals

CreditAggie — Mon, 08 Nov 2021 21:42:45 GMT

Congratulations to you and DW on the approvals!

Re: Mini Spree approvals

CreditMagic7 — Mon, 08 Nov 2021 21:58:13 GMT

Congratulations on the approvals toboth of you!! Nice landings there.

Re: Mini Spree approvals

cashorcharge — Mon, 08 Nov 2021 21:59:29 GMT

That's terrific!! Congratulations on both your multiple approvals!! 🥂🎉👏🏻

Re: Mini Spree approvals

KingRue8500 — Mon, 08 Nov 2021 22:03:01 GMT

Congrats on yours & DW's approvals

Re: Mini Spree approvals

greatscott85 — Mon, 08 Nov 2021 22:23:10 GMT

Congrats! Way to play "2-player mode"!

Re: Mini Spree approvals

Rebuild2019 — Mon, 08 Nov 2021 22:31:32 GMT

Congratulations 🎊🎈🎉 to you and DW on the approvals.

Re: Mini Spree approvals

MySunrise271 — Tue, 09 Nov 2021 00:25:12 GMT

Congratulations on paying down debt and so many finacial wins 🎉👍🏽😎

@Anonymous wrote:
Hi guys, it's been about a year since I've engaged here(rebuilding my credit) but I've been in the garden to work on my scores as I was looking to refinance home.
And we have lot of missed payments(2017, 2019 and 2020), 1 CC charge off and closed accounts. During covid time paid off 90k+ CC loans and brought the uilization to under 1% for me and DW accounts during the last 12 months. Our scores came back up into low 700's(from 600's), also completed home refinance with 2.62% rate with 30 year term and refinance got closed four weeks ago..after that applied for HELOC and got denied due to forebearance during last year. last week I did apply a Mini Spree (5 new applications(all approved) for myself and 5 applications for my DW(1 got denied and 1 pending review).

My apps(new approvals & CLI ):
BOA - 14k
DIS - 9K
penfed - 6k
FNBO: 15k
Amex GOLD - charge card
capital one - CLI - from 1k to 3k

My DW apps(new approvals&cli):
BOA - 15k
Penfed: 12.5k
FNBO: 15k
WF - Denied(reason too many late payments)
Elan(FID) -- still in review
capital one CLI - from 5k to 7.5k

Re: Mini Spree approvals

Sub16610 — Tue, 09 Nov 2021 00:42:46 GMT

Congratulations on your awesome spree and great sl's!

Re: Mini Spree approvals

ChargedUp — Tue, 09 Nov 2021 01:05:27 GMT

Congrats to the both of ya!

and to MyFico!

Re: Mini Spree approvals

Anonymous — Tue, 09 Nov 2021 02:59:22 GMT

Awesome. Congrats to both of you!!!

Teamwork makes the Dream work!!!

Re: Mini Spree approvals

gdale6 — Tue, 09 Nov 2021 15:47:14 GMT

Pretty good run there for both of you, grats to all the success

Re: Mini Spree approvals

Total80sKid — Wed, 10 Nov 2021 05:19:26 GMT

Congrats to you and DW on your success 👍🏼

Re: Mini Spree approvals

Elpadrino1 — Wed, 10 Nov 2021 14:50:03 GMT

Congratulations on your approvals!!

Re: Mini Spree approvals

Titans84 — Wed, 10 Nov 2021 15:39:14 GMT

Congrats on all yours and DWs approvals!

Re: Mini Spree approvals

M_Smart007 — Fri, 12 Nov 2021 15:01:03 GMT

Congrats on the mini spree success!!