topic Re: DINERS CLUB LIMBO in Credit Card Applications

DINERS CLUB LIMBO

tmoney — Wed, 29 Oct 2014 16:30:40 GMT

I applied for the premier card on the 22nd. ofcourse got the 7-15 day message. Probally one of the 5 people out of the hundreds who had their

Ex report pulled instead of TU. Funny thing is the only baddie on any of my three reports is a tax lien from 2009 and its on experiian lol I called today

for update and was told by CSR after placing me hold and speaking with lending department that my address wasn't coming back as residential address

according to experian. CSR said to check information with experian and reapply. I know my tax lien will be removed within a month it's paid

waiting for notice to withdrawal .Verified all my info with experian .Should I wait till lien is removed and reapply or just go for it

My scores Ex (08) 714 (04)PSECU 680 2 inq within last year 5 overall

Tu(08) 750 walmart and discover 3 inq within last year 7 overall

Re: DINERS CLUB LIMBO

CreditCuriosity — Wed, 29 Oct 2014 16:33:24 GMT

One month is sooo trivial in the long game of credit repair. I wish I only had 1 month for my last baddie to fall off.. I would say wait it out and play it safe, its only a month!

Re: DINERS CLUB LIMBO

BearsAndTurtlesRtheBest — Wed, 29 Oct 2014 17:25:38 GMT

I think Diners doesnt mind high utilization or amount of inquiries, they care more about delinquencies.

My dad was approved for $5k with high utilization and 30+ inquiries.

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 17:27:34 GMT

@BearsAndTurtlesRtheBest wrote:
I think Diners doesnt mind high utilization or amount of inquiries, they care more about delinquencies.

I was afraid you'd say that.

Looks like I'd better put my recon boots back on for another round.

Re: DINERS CLUB LIMBO

dodgerslv — Wed, 29 Oct 2014 17:28:48 GMT

@BearsAndTurtlesRtheBest wrote:
I think Diners doesnt mind high utilization or amount of inquiries, they care more about delinquencies.
My dad was approved for $5k with high utilization and 30+ inquiries.

gotta agree with Bears....my brother also got approved for the same (5k) even though he has balances on pretty much all of his cards and lots of INQs but no recent deliquencies (only a couple of lates from 2009).

Re: DINERS CLUB LIMBO

aav — Wed, 29 Oct 2014 18:17:18 GMT

I put together this list of approvals from credit pull user input.. It's mostly predicable with a few mixed bags. I was approved for 30k with 788 cs, 0 inq. 7% util, 6.2 aaoa. I am glad they pulled TU only, but my Equifax and EX are higher and would have loved to be in 50k but I'm happy happy.

10k -710
15k – 689, 687, 678, 731, 770
20k- 712, 723, 748, 740
25k – 767
30k – 670, 721, 751, 782, 788
40k – 732, 806, 811, 812
50k – 794, 850

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 18:24:53 GMT

@aav wrote:
I put together this list of approvals from credit pull user input.. It's mostly predicable with a few mixed bags. I was approved for 30k with 788 cs, 0 inq. 7% util, 6.2 aaoa. I am glad they pulled TU only, but my Equifax and EX are higher and would have loved to be in 50k but I'm happy happy.

10k -710
15k – 689, 687, 678, 731, 770
20k- 712, 723, 748, 740
25k – 767
30k – 670, 721, 751, 782, 788
40k – 732, 806, 811, 812
50k – 794, 850

Hey, what about people who got a 5K limit?

Re: DINERS CLUB LIMBO

aav — Wed, 29 Oct 2014 18:53:15 GMT

I only pulled from the credit card database from another forum. I know there are a few with a 5k CL. Is that you? I can add it.. What CS?

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 18:57:08 GMT

@aav wrote:
I put together this list of approvals from credit pull user input.. It's mostly predicable with a few mixed bags. I was approved for 30k with 788 cs, 0 inq. 7% util, 6.2 aaoa. I am glad they pulled TU only, but my Equifax and EX are higher and would have loved to be in 50k but I'm happy happy.

10k -710
15k – 689, 687, 678, 731, 770
20k- 712, 723, 748, 740
25k – 767
30k – 670, 721, 751, 782, 788
40k – 732, 806, 811, 812
50k – 794, 850

I also got a 15k limit with a 702 TU score

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 18:59:28 GMT

@aav wrote:
I only pulled from the credit card database from another forum. I know there are a few with a 5k CL. Is that you? I can add it.. What CS?

I'm pending, but I imagine that's the limit I'll get if at all. There have been a few high 600's approvals for 5K recently.

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 19:19:52 GMT

Strange, they pulled my EX too and denied me for the same BS reason (could not verify your address). I have a similar situation to yours: my TU does not show an old collection but my EX still does, and I was disappointed when they pulled EX.

I wonder if the DC app system does a quick SP and then HPs the bureau with the worst scores?

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 19:30:31 GMT

Doubtful, they pulled TU for most, including me. TU is my best score by ~20 points.

Re: DINERS CLUB LIMBO

tmoney — Wed, 29 Oct 2014 19:50:29 GMT

I will probably wait till my lien falls off in a few weeks. Anyone know what version of fico DC uses (08) or (04) ?

I was hoping they didn't report to the CB anyway.

@Anonymous wrote:
Doubtful, they pulled TU for most, including me. TU is my best score by ~20 points.

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 19:54:12 GMT

@Anonymous wrote:
Doubtful, they pulled TU for most, including me. TU is my best score by ~20 points.

Yes... that is my point, I wonder if they pull your lower bureau or one that still shows a collection? Hence why they pulled my and tmoney's EX when our TU was the better score.

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 20:05:56 GMT

@Anonymous wrote:
@Anonymous wrote:
Doubtful, they pulled TU for most, including me. TU is my best score by ~20 points.
Yes... that is my point, I wonder if they pull your lower bureau or one that still shows a collection? Hence why they pulled my and tmoney's EX when our TU was the better score.

No..that's my point. TU is my best score, EX is my worst. They pulled TU on me. It's not a set in stone thing, most likely.

Re: DINERS CLUB LIMBO

Anonymous — Wed, 29 Oct 2014 20:06:49 GMT

Hmm.

Well i know they pulled my TU. Which is my best score. EQ is my worst score, lol.

Re: DINERS CLUB LIMBO

12njoy — Wed, 29 Oct 2014 21:42:10 GMT

@aav wrote:
I put together this list of approvals from credit pull user input.. It's mostly predicable with a few mixed bags. I was approved for 30k with 788 cs, 0 inq. 7% util, 6.2 aaoa. I am glad they pulled TU only, but my Equifax and EX are higher and would have loved to be in 50k but I'm happy happy.

10k -710
15k – 689, 687, 678, 731, 770
20k- 712, 723, 748, 740
25k – 767
30k – 670, 721, 751, 782, 788
40k – 732, 806, 811, 812
50k – 794, 850

Thanks for getting this together. Does anyone know what FICO model they use on TU? When I got my denial for my cli, it showed my TU FICO as 731 when my TU FICO was really 754 at that time.

Re: DINERS CLUB LIMBO

12njoy — Wed, 29 Oct 2014 21:43:41 GMT

@Anonymous wrote:
Doubtful, they pulled TU for most, including me. TU is my best score by ~20 points.

+1 My best by a whopping 70+ points

Re: DINERS CLUB LIMBO

Anonymous — Thu, 30 Oct 2014 00:40:22 GMT

got 5k with 655 credit score.

Re: DINERS CLUB LIMBO

Anonymous — Thu, 30 Oct 2014 00:43:14 GMT

@Anonymous wrote:
got 5k with 655 credit score.

GET OUT!