cancel
Showing results for 
Search instead for 
Did you mean: 

ALLY is bankruptcy friendly

tag
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?


TWO MORE MONTHS NO BK! (on Eq/Ex)
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. 

0% utilization
FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 10.8K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K 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.


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 8 of 9
masscredit
Senior Contributor

Re: ALLY is bankruptcy friendly

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

EQ - 687 / TU - 667 / EX - 678

Capital One Savor - $16000 / Capital One Venture - $13000 / Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $500
$79,750
DCU Auto Loan
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.