App Spree Summary

[jasonbourne84]

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@blindambition wrote:

Sorry about the denial! You can try recon, but account and inquiry sensitive. They have been following 1/2 pretty religiously.

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They have been heavily 1/12 lately, yes. That said, I was 0/12 at the time of app. A wonderfully nice credit analyst told me that the reason for the denial was my lates (several 90+) from 21-24 months ago. She strongly encouraged me to re-app in 4 months. I won't, but that's okay.

[blindambition]

My bad, I missed the part where you talked to rep. 🙃

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@jasonbourne84 wrote:

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@blindambition wrote:

Sorry about the denial! You can try recon, but account and inquiry sensitive. They have been following 1/2 pretty religiously.

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They have been heavily 1/12 lately, yes. That said, I was 0/12 at the time of app. A wonderfully nice credit analyst told me that the reason for the denial was my lates (several 90+) from 21-24 months ago. She strongly encouraged me to re-app in 4 months. I won't, but that's okay.

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[cashorcharge]

I can attest they they "provide" your EX F9 each month as they do with my accounts.

I however don't recall what they pulled at app time years ago.

[blindambition]

Sorry about DH denial!!

[jasonbourne84]

Closed on a home on Wednesday. Did app spree for next two days. 

Specifics can be found in the appropriate sections of the forum, but here is the big picture post-spree summary of my stats: 

Inquries (last 12 months):

• EX: 7 total (5 if 3 mortgage INQs within 45 days of eachother are only scored as 1);
• EQ: 4 total (2 if 3 mortgage INQs within 45 days of eachother are only scored as 1);
• TU: 6 total (4 if 3 mortgage INQs within 45 days of eachother are only scored as 1).

New Accounts (last 12 months):

• 4 total (including mortgage)

I apped for: 

• US Bank Cash+. Denied.
• Goldman Sachs Apple Card. Approved. $3K. 
• Discover IT.  Approved. $13,100. 
• Wells Fargo Platinum. Denied.
• Barclays Wyndham Rewards. Denied.
• Citibank Double Cash. Approved. $13,900.  
• TD Bank Nordstrom Visa. Denied. 

The DH applied for: 

• Goldman Sachs Apple Card. Approved. $3000.
• Synchrony Bank Marvel Mastercard. Pending.
• Citibank Best Buy Visa. Approved. $2500. 
• Bank of America KLM World Elite. Denied.

If you have any questions regarding further DPs, please let me know. Otherwise, if you need me, you can find me busy gardening in our new condo.

[OmarGB9]

App sprees are a bit risky at the moment with the current economic climate IMO, but congrats nonetheless on your approvals.

[coldfusion]

BoA almost always pulls EX FICO 8 for new CC applications.  Occasionally they will HP TU instead but that isn't common.

[HOODLUMZ007]

Was this the order you done them in? If not you should of stopped after the 3rd approval which was probably the 3k. Curious...

[jasonbourne84]

No. 3k was first. After a denial from US Bank

[gdale6]

Hi there OP,

I have combined all your individual threads into one, please refrain from creating a separate thread for each thing in this short of a period of time, it is considered thread bombing and is against the TOS of this site. I have changed the title of the first post to reflect this, you are free to change it to something else if desired. I thank you for your understanding on this.