Credit Card Application Rehab Thread

[Anonymous]

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@Anonymous wrote:

Nothing between January 2010 and February 2014, then:

February 2014 - Local bank installment loan.

April 2014 - Credit card app, approved.

August 2014 - Credit card app, approved.

September 2014 - Credit card app, denied.

January 2015 - Credit card app, approved.

January 2015 - Credit card app, approved.

January 2015 - Credit card app, approved.

March 2015 - Lending Club installment loan.

April 2015 - Credit card app, approved.

April 2015 - Credit card app, approved.

May 2015 - Credit card app, approved.

May 2015 - Credit card app, approved.

June 2015 - Credit card app, approved.

Inquiries last two years:

TU - 6

EX - 5

EQ - 4

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Hehe, add another credit card for June and an inquiry on EQ. 

[Revelate]

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@Anonymous wrote:

Do banks pay attention to what companies made the inquiries in the past year or so? Does 13 inquiries, 5 of them the same bank look better than 13 DIFFERENT credit card companies? I'd assume so on a manual review. You could state that some of them were for CLI since you are supposedly making more money and so on. Darn to have 5 and not 13 again, sigh...

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Maybe but I'm not so certain on that one.  I suspect an inquiry is an inquiry assuming same type as mortgage and auto inquiries are obviously different; possible exception if they were all at one bank and if someone else (vis a vis Chase vs. Amex) were looking to get a customer takeaway.  I don't think many lenders would rationally care.

[Anonymous]

Just as a update to this thread I am posting all my inquires currently on my report. I will be thankful when alot of these are gone.

                                         Equifax                             Transunion                              Experian

July 2015	-	-	Amex July 28, 2015 Chase Card July 03, 2015
June 2015	Cbna June 09, 2015 Discover Bank June 07, 2015 Usaa Fsb Cc June 07, 2015	Barclays Bank Delaware June 11, 2015	Amex June 26, 2015 Cbna/Bby June 20, 2015 Cbna June 09, 2015 Amex June 08, 2015 Discover Financial Ser June 07, 2015
May 2015	Pentagon Fcu May 17, 2015 Ccb/Ppc May 10, 2015	-	Amex May 13, 2015 Cbna/Bby May 08, 2015
April 2015	Ccb/Ppc April 24, 2015 Capital One Bank Usa April 23, 2015 Em Quicken April 21, 2015 Cbcinnovis April 20, 2015 Discover Bank April 07, 2015 Usaa Fsb Cc April 04, 2015	Syncb/Lowes Plcc April 24, 2015 Capital One Bank Usa Na April 23, 2015 Capital One Bank Usa Na April 23, 2015 Syncb/Ebates April 22, 2015 Quickenloans/Emsquicken April 21, 2015 Communitytrus/Cbcinnovis April 20, 2015 Deere Credit Services April 16, 2015 Barclays Bank Delaware April 10, 2015	Amex April 30, 2015 Amex April 29, 2015 Chase Card April 24, 2015 Bk Of Amer April 24, 2015 Cap One Na April 23, 2015 Ems/Quicken Loans April 21, 2015 Amex April 20, 2015 Cbcinnovis April 20, 2015 Chase Card April 18, 2015 Chase Card April 17, 2015 Discover Financial Ser April 07, 2015
March 2015	Usaa Fsb Cc March 29, 2015 Cbna March 17, 2015 Usaa Fsb Cc March 12, 2015	Barclays Bank Delaware March 22, 2015 Barclays Bank Delaware March 16, 2015	State Department Fcu March 29, 2015 Us Bank Consolidated March 22, 2015 Chase Card March 22, 2015 Bbva/Compass Bank March 22, 2015 Amex March 21, 2015 Chase Card March 17, 2015 Cbna March 17, 2015 Chase Card March 03, 2015 Bk Of Amer March 01, 2015 Amex March 01, 2015
February 2015	Discover Bank February 22, 2015 Cbna February 18, 2015 Ccb/Ppc February 08, 2015	-	Amex February 22, 2015 Discover Financial Ser February 22, 2015 Webbank/Dfs February 21, 2015 Cbna February 18, 2015 Cbna/Bby February 18, 2015 Chase Card February 13, 2015
January 2015	Credco January 31, 2015 Credco January 29, 2015 Ccb/Ppc January 26, 2015 Usaa Fsb Cc January 09, 2015 Discover Bank January 02, 2015	-	Credco January 31, 2015 Credco January 29, 2015 First Center/Best Egg January 24, 2015 Fnb Omaha January 08, 2015
December 2014	Em Quicken December 30, 2014 Usaa Fsb Cc December 29, 2014 Ccb/Ppc December 24, 2014 Ccb/Ppc December 16, 2014 Capital One Bank Usa December 11, 2014 First Premier Bank December 06, 2014 Capital One Bank Usa December 01, 2014	-	Ems/Quicken Loans December 30, 2014 Us Bank Consolidated December 28, 2014 Bk Of Amer December 28, 2014 Amex December 28, 2014 Webbank/Dfs December 25, 2014 Chase Card December 19, 2014 Cap One Na December 11, 2014 Chase Card December 01, 2014
November 2014	Ccb/Ppc November 23, 2014 Ccb/Ppc November 02, 2014	-	Cap One Na November 30, 2014
October 2014	Webbank/Gettington October 29, 2014 Capital One Bank Usa October 25, 2014	-	Cap One Na October 25, 2014
September 2014	Capital One Bank Usa September 19, 2014 Discover Bank September 10, 2014 Td Bank Usa/Target C September 06, 2014	-	Cap One Na September 19, 2014
August 2014	Ccb/Ppc August 31, 2014	-	Chase Card August 31, 2014

[NRB525]

Which of them resulted in actual approvals for a card? How many are denials in those INQ?

[Anonymous]

That's a lot of inquiries! Do you still get approved with all of those inquiries? It's kinda crazy how they add up so quickly over a year or two.

[Anonymous]

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@NRB525 wrote:

Which of them resulted in actual approvals for a card? How many are denials in those INQ?

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I have highlighted the approvals in Green the rest were denial for a new card or CLI denials

You never fully realize how many you have until you see something like this. Its a bit scary TBH

[Anonymous]

I'm so happy this thread is here.  I was looking for this exact thing, as I have a serious case of the itchy mouse when it comes to applying for credit cards.  Here's my story.  Popcorn optional.

So my introduction to credit was probably like all of yours: college.  First card ever had a $350 limit, I maxed it and never paid it.  I learned how to float checks and everything.  Needless to say when I went to purchase my first car and move into my first apartment I needed a co-signer.  Well that's totally against my religion so I did what anyone else in my position would do I suppose: paid hefty down payments on everything.  

First car - $2500 down payment

First apartment - 3mos rent

Checking accounts...forgetaboutit!  Check cashing place.

I kept this up for 3 years (1998 - 2001)

After that, I flew under the radar.  In and out of employment and by the time I was settled, I accumulated 3 repos and 2 evictions.  Ugly.  I know.

I was introduced to payday loans in 2004.  Applied online for 3, expecting to only be approved for 1.  Imagine my surprise when all of them came through.  Then it was time to pay them off.  Horrible.  I was going to the ATM to withdraw all of my funds every payday at 5am.  I can only imagine this is what drug addicts go through.  My bank closed my checking account for "abusing" my account priviledges.  Embarrassing.  My sister ended up loaning me $1300 to pay the loans off and I still ended up with $1500 left to pay.  So I did what anyone else in my position would do: filed chapter 7.

In the process of filing bankruptcy I incur yet another repo (my lawyer forgot to file the paperwork to declare it so I could keep it, and you can't make the payments while your "case" is open).  I found out that banks love it when you file bankruptcy!  This was a shock.  I got pre-approval letters from creditors that I just included in my BK.  So the credit slippery slope began yet again.  Got 2 cards from New Millenium bank (visa and mc) and ended up maxing them out and just not caring.  So I took a hiatus from the "credit score" rollercoaster until last month.

Between 2007 when my BK was discharged, and July this year I just didn't really see the point.  I felt like I wasn't going to win so I gave up.  Then I was taking my car to be worked on for the 2nd time in 3 months and I got to thinking: "You should buy a Porche."  My brain is a little different from most.  But I figured I wouldn't be able to shell out however much for a Porche.  My Infiniti was $200 out of pocket.  This was going to be more than that.  The day after I had this dilusion of grandeur, I was reading my email and saw a pre-approval from First Premier.  I had them before.  Twice.  Applied on a whim and BAM!  Got it.  Then, checked my mail the next week and there's a pre-approval offer from Capital One.  Figured why not.  Went online and BAM!  Got that one.  I felt unstoppable!  I went online and applied for other stuff and ... goose egg.

So I put on my research hat and came across the SCT.  Tried it and it did not work.  At all.

For some insane reason, a week later I was on Old Navy's website and something (my inner deamon I suspect) said to apply for the store card.  I saw Visa and wanted it instantly.  So I applied and I was approved for the store card.  Feeling lucky, I tried the SCT again.  No dice.  So I researched who the card was offered through: Synchrony.  Then genius struck again and I applied for PayPal...approved, Walmart...approved, Amazon...approved.  All of these with a CS below 600 (according to CK).  I felt that I was on a roll so I kept going: Capital One Quicksilver One...approved, Surge (had never even heard of them)...approved, then I really got brave and applied for Barclaycard...APPROVED!!!

Over the weekend, I just couldn't stop myself.  I was determined to get the SCT to work!  Ended up with 2 accounts that I'll never use, in persuit of 2 accounts that I WOULD use.  Then I crashed back to reality: my score dropped 8 points!  But I still have an itcy mouse finger for making that damn SCT work!  So I'm here...and I'm an addict.

[Anonymous]

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@Anonymous wrote:

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@NRB525 wrote:

Which of them resulted in actual approvals for a card? How many are denials in those INQ?

---

I have highlighted the approvals in Green the rest were denial for a new card or CLI denials

You never fully realize how many you have until you see something like this. Its a bit scary TBH

---

On the plus side, it looks like Chase really likes you 

[Anonymous]

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@Anonymous wrote:

I'm so happy this thread is here.  I was looking for this exact thing, as I have a serious case of the itchy mouse when it comes to applying for credit cards.  Here's my story.  Popcorn optional.

So my introduction to credit was probably like all of yours: college.  First card ever had a $350 limit, I maxed it and never paid it.  I learned how to float checks and everything.  Needless to say when I went to purchase my first car and move into my first apartment I needed a co-signer.  Well that's totally against my religion so I did what anyone else in my position would do I suppose: paid hefty down payments on everything.  

First car - $2500 down payment

First apartment - 3mos rent

Checking accounts...forgetaboutit!  Check cashing place.

I kept this up for 3 years (1998 - 2001)

After that, I flew under the radar.  In and out of employment and by the time I was settled, I accumulated 3 repos and 2 evictions.  Ugly.  I know.

I was introduced to payday loans in 2004.  Applied online for 3, expecting to only be approved for 1.  Imagine my surprise when all of them came through.  Then it was time to pay them off.  Horrible.  I was going to the ATM to withdraw all of my funds every payday at 5am.  I can only imagine this is what drug addicts go through.  My bank closed my checking account for "abusing" my account priviledges.  Embarrassing.  My sister ended up loaning me $1300 to pay the loans off and I still ended up with $1500 left to pay.  So I did what anyone else in my position would do: filed chapter 7.

In the process of filing bankruptcy I incur yet another repo (my lawyer forgot to file the paperwork to declare it so I could keep it, and you can't make the payments while your "case" is open).  I found out that banks love it when you file bankruptcy!  This was a shock.  I got pre-approval letters from creditors that I just included in my BK.  So the credit slippery slope began yet again.  Got 2 cards from New Millenium bank (visa and mc) and ended up maxing them out and just not caring.  So I took a hiatus from the "credit score" rollercoaster until last month.

Between 2007 when my BK was discharged, and July this year I just didn't really see the point.  I felt like I wasn't going to win so I gave up.  Then I was taking my car to be worked on for the 2nd time in 3 months and I got to thinking: "You should buy a Porche."  My brain is a little different from most.  But I figured I wouldn't be able to shell out however much for a Porche.  My Infiniti was $200 out of pocket.  This was going to be more than that.  The day after I had this dilusion of grandeur, I was reading my email and saw a pre-approval from First Premier.  I had them before.  Twice.  Applied on a whim and BAM!  Got it.  Then, checked my mail the next week and there's a pre-approval offer from Capital One.  Figured why not.  Went online and BAM!  Got that one.  I felt unstoppable!  I went online and applied for other stuff and ... goose egg.

So I put on my research hat and came across the SCT.  Tried it and it did not work.  At all.

For some insane reason, a week later I was on Old Navy's website and something (my inner deamon I suspect) said to apply for the store card.  I saw Visa and wanted it instantly.  So I applied and I was approved for the store card.  Feeling lucky, I tried the SCT again.  No dice.  So I researched who the card was offered through: Synchrony.  Then genius struck again and I applied for PayPal...approved, Walmart...approved, Amazon...approved.  All of these with a CS below 600 (according to CK).  I felt that I was on a roll so I kept going: Capital One Quicksilver One...approved, Surge (had never even heard of them)...approved, then I really got brave and applied for Barclaycard...APPROVED!!!

Over the weekend, I just couldn't stop myself.  I was determined to get the SCT to work!  Ended up with 2 accounts that I'll never use, in persuit of 2 accounts that I WOULD use.  Then I crashed back to reality: my score dropped 8 points!  But I still have an itcy mouse finger for making that damn SCT work!  So I'm here...and I'm an addict.

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KCGal,

I am glad you shared your story and want you to know we are here to help. My story was very similar to yours in that when I was younger mismanaged my credit and made poor decsions. Back in October I had a no joke 550 FICO score and because I had burned HSBC, Credit One and First Premier, they would not give me a card. Once I got my first decent card I went nuts apping. I mean I am 39 years old and this was the first time I had been appproved for nice card and had a FICO over 620. Really sad, I know. When realized what was happening due to some great community members calling me on it, created this thread to raise awareness to this issue and provide support to people like us.

I would say join us in the garden and let these new accounts age. If you get the app itch you can always hit the pre-qual pages of the banks but DO NOT app. It will do you no good. Remember we are here to help. Welcome to the thread!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@NRB525 wrote:

Which of them resulted in actual approvals for a card? How many are denials in those INQ?

---

I have highlighted the approvals in Green the rest were denial for a new card or CLI denials

You never fully realize how many you have until you see something like this. Its a bit scary TBH

---

On the plus side, it looks like Chase really likes you 

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Yeah they do. Kind of funny because about 6 months ago they would not touch me with a 10 foot pole. Citi, AMEX, US Bank and Discover are still holding out but I'm certain with a year of gardening under my belt they will relent.