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ALLY is bankruptcy friendly

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kympocalypse
Established Member

ALLY is bankruptcy friendly

Good morning! 

 

Discharged this week and saw I was "pre-approved" on Credit Sesame for two Ally cards so I tried one, approved for 1k. FICOs range from 598 to 640. They pulled Experian (598)

 

Hope this helps someone with their rebuilding journey! I am determined to get back into the 700+ club.

 

 

8 REPLIES 8
tk-2018
Valued Member

Re: ALLY is bankruptcy friendly

I attempted to get a card through ally and didn't have the same luck I did manage to get one through Ollo though . 


@kympocalypse wrote:

Good morning! 

 

Discharged this week and saw I was "pre-approved" on Credit Sesame for two Ally cards so I tried one, approved for 1k. FICOs range from 598 to 640. They pulled Experian (598)

 

Hope this helps someone with their rebuilding journey! I am determined to get back into the 700+ club.

 

 


 

Chapter 7 6/22.
Fico 8's As of Jan. 15, 2023:




Verge 750

Message 2 of 9
kympocalypse
Established Member

Re: ALLY is bankruptcy friendly

I'm sorry! I only applied because of the pre-approval recommendation on credit Sesame. I fully expected a denial. I haven't received an invitation for Ollo but I think I'm going to go for a SDFCU secured card next before I garden for a year. Maybe. 

Message 3 of 9
FireMedic1
Community Leader
Mega Contributor

Re: ALLY is bankruptcy friendly

Congrats! What do you have now? Dont rely on these credit Vantage score sites. Most of its marketing. We can help you out there with better results. So who got burned?


Message 4 of 9
kympocalypse
Established Member

Re: ALLY is bankruptcy friendly

Those are FICO Scores, my vantage scores are all in the 680s...go figure. All I have now is a Self lender, the new Ally, Mission Lane. I'm going to get my mortgage reporting again, perfect payment history for almost 3 years from that. 

 

I'm open to suggestions!

Message 5 of 9
kympocalypse
Established Member

Re: ALLY is bankruptcy friendly

Who got burned? Errbody! 

 

Cap 1, credit 1, citi, discover, amex, chase for the big dogs, synchrony and comenity for the little dogs.

 

I joined SDFCU and PenFed in the last 30-60 days. 

 

 

 

 

 

Message 6 of 9
Jeffster1
Valued Contributor

Re: ALLY is bankruptcy friendly


@kympocalypse wrote:

Good morning! 

 

Discharged this week and saw I was "pre-approved" on Credit Sesame for two Ally cards so I tried one, approved for 1k. FICOs range from 598 to 640. They pulled Experian (598)

 

Hope this helps someone with their rebuilding journey! I am determined to get back into the 700+ club.

 

 


Congrats! I'm guessing the OLLO merger is having a positive effect on ALLY. 

FICO EX 829 EQ 824 TU 844

Current lineup as of 9/24
American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 11.5K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back Visa 9K I
Message 7 of 9
FireMedic1
Community Leader
Mega Contributor

Re: ALLY is bankruptcy friendly

Excellent. You got 3 revolvers which is all thats needed for now. Your mortgage covers installment loans. So no need for those. Wait about 6 months and go for the next card. Step by step. You'll get there. Scores will rebound in time. 680 isnt bad for now. Once you hit the 700 club. Way easier to pick and choose. Keep applying in the 600's. You'll stay in the 600's.Time does wonders.


Message 8 of 9
masscredit
Valued Contributor

Re: ALLY is bankruptcy friendly

I was just approved for $2500. I hope the card will grow over time.

EQ - 695 / TU - 679 / EX - 687

Card - $5500 / Capital One Savor One- $5500 / TD Bank - $5000 / Mercury - $5000 / Capital One QuickSiver - $5000 /SDFCU Secured - $4990 / Ally Master Card - $4300 / Walmart Mastercard - $2500
$37,790
Andrews FCU SSL $1500
Message 9 of 9
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