topic Re: Big News from my App Spree in Credit Cards

Big News from my App Spree

SnackTrader — Wed, 26 Dec 2012 02:40:17 GMT

Well, after the excitement of getting the initial approval for my BCP, I forgot to call about the terms of my account. Yesterday I received a letter from Amex welcoming me and giving me notice that my application was approved. I didn't get it until today because I was away visiting family. Anyway, the letter also included my EX FICO score! It is presumably because I didn't get the best interest rate available, but that's fine by me because my EX FICO score is:

780!!!!

All of my card approvals were based off of my EX report, so this is huge news to me since my EQ FICO is only 754. I will probably call tomorrow morning to find out what the terms of my BCP are, but I know that I got the best terms available on the Chase Freedom. I will also call Citi to discuss the terms on my Forward. I love that all 3 pulled EX since the score is higher. This may be the last time I ever receive my EX FICO score, so this is huge for me.

Re: Big News from my App Spree

Anonymous — Wed, 26 Dec 2012 02:43:43 GMT

Wow! Congratulations on an excellent score! Makes me want to check my EQ score (right now, I only know EX)

Re: Big News from my App Spree

kevinjjc — Wed, 26 Dec 2012 02:44:15 GMT

Nice score, congrats! I'm so happy for you!

Re: Big News from my App Spree

SnackTrader — Wed, 26 Dec 2012 02:46:08 GMT

@Anonymous wrote:
Wow! Congratulations on an excellent score! Makes me want to check my EQ score (right now, I only know EX)

How did you get your EX score?

Re: Big News from my App Spree

jsucool76 — Wed, 26 Dec 2012 04:14:30 GMT

I'd say from a lender pull.

Re: Big News from my App Spree

kevinjjc — Wed, 26 Dec 2012 04:20:30 GMT

PSECU member?

Re: Big News from my App Spree

jsucool76 — Wed, 26 Dec 2012 04:21:43 GMT

Forgot about psecu. Rarely hear about them anymore ever since they tightened up the membership requirements.

Re: Big News from my App Spree

SnackTrader — Wed, 26 Dec 2012 04:24:15 GMT

Who knows? - maybe iPeaches has discovered a completely new way to get the EX FICO. This is why I ask. If nothing else, it would be good to know which lender pulled and reported the score. I'm all about trying to find as much information as possible for the use of others.

Re: Big News from my App Spree

Epcot — Thu, 27 Dec 2012 04:27:05 GMT

Very nice score, Congrats!

Re: Big News from my App Spree

Rhaeny — Thu, 27 Dec 2012 04:34:02 GMT

Impressive....Congrats!

Re: Big News from my App Spree

CreditChampion — Thu, 27 Dec 2012 04:38:36 GMT

Letter from AMEX duhh lol

Re: Big News from my App Spree

SnackTrader — Sat, 29 Dec 2012 16:51:05 GMT

Well more updates, but this time not as great.

I got my Citi card agreement, and it appears that Citi not only pulled EX, but pulled TU as well. They sent along a TU FAKO of 766 (range of 250-900), because I didn't get the best interest rate on the card. I hadn't heard of Citi pulling two reports before, but who knows, maybe they pulled all 3. I never received a SW alert on my EQ report for a new inquiry, but it doesn't mean it didn't happen.

I'm sorting out some things with my student loans next week which will require another INQ on my EX report - so after all the dust settles it looks like I will have a total of 6 INQs on my EX report (with one rolling off in January), at least 3 on my TU, and at least 2 on my EQ. Oh well, at least the scores have been very good overall, and the cards are slowly trickling in. The Chase Freedom arrived today, but the BCP and Forward are noticably absent. Amex CS claimed the BCP shipped on Wednesday, but apparently it took 3 or 4 days in transit (seems outrageous given current efficiencies of USPS air service).

Thank you all for following with me through this spree! I will give you updates on how the cards are going, and my Amex CLI request over the next couple months.