cancel
Showing results for 
Search instead for 
Did you mean: 

Ducks Unlimited with low account age/high inquiries

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Contributor

Ducks Unlimited with low account age/high inquiries

My FICO scores are decent, but my oldest account on Experian and TransUnion was opened in April. FNBO's inquiry on EX made 15, all of which are under 6 months old.

 

I came out of the garden to apply for (and get) a Paypal MC, and the Ducks Unlimited card is one of the last two I really care about, so I figured I'd take a shot. If I don't get it now, maybe next year.

 

I got a message saying my application is pending, and should be reviewed within 10 to 14 days. I don't know if that's standard, or if it's a de facto decline.

 

Posting for the DP. I will update when I get a decision.


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 1 of 18
17 REPLIES 17
Highlighted
Senior Contributor

Re: Ducks Unlimited with low account age/high inquiries

Good Luck!  Hopefully it will a be "yes"

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 2 of 18
Highlighted
New Contributor

Re: Ducks Unlimited with low account age/high inquiries

I got the same notification, which I thought was funny because on the app page it says approval in 60 seconds. It ended up taking about 4 days and was denied. Still waiting for the letter saying why.

Message 3 of 18
Highlighted
Moderator

Re: Ducks Unlimited with low account age/high inquiries

The 10-14 message is pretty standard for pending applications. FNBO can yield instant approvals depending on the overall profile.

Younger profiles or those with recent activities such as excessive inquiries and/or new accounts typically don't stand a good chance for an approval. That said, FNBO is somewhat conservative and is not known for reconsiderations.
Message 4 of 18
Highlighted
Valued Contributor

Re: Ducks Unlimited with low account age/high inquiries

Would you mine disclosing your TU score?

I'm curious about the Paypal MC with only a 6 month TU file.

Thanks

 

Message 5 of 18
Highlighted
Established Contributor

Re: Ducks Unlimited with low account age/high inquiries

I don't have a TU FICO score, since my oldest account on TU is 5 months old. I have a FICO score on EX because of an AU card that is older than 6 months. I have had a FICO score on EQ all along because I have an old Exxon card that shows up only on EQ. Everything else is the same on all three reports, except that they have varying numbers of inquiries (all are double digits).

 

My TU FAKO was 681 at the time of the Paypal application. It fell to 675 due to the application.

 

Hope this helps!


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 6 of 18
Highlighted
Valued Contributor

Re: Ducks Unlimited with low account age/high inquiries

I'm rooting for you to get the card.  I told myself I was retired from applying for credit cards but I have been thinking about this card for a long time.  I have resisted so far but hanging around here just fuels the fire.  Quack Quack!  

 FICO 8
Message 7 of 18
Highlighted
Super Contributor

Re: Ducks Unlimited with low account age/high inquiries

Good luck.  FNBO is conservative so I think your INQs might be problematic.




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 8 of 18
Highlighted
Established Contributor

Re: Ducks Unlimited with low account age/high inquiries

I would say it's about 5 to 1 that I don't get it, but, I'm rooting for me too Smiley Wink

 

Thanks, and I'll update the thread when I get a result.


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 9 of 18
Highlighted
Established Contributor

Re: Ducks Unlimited with low account age/high inquiries


@KJinNC wrote:

I would say it's about 5 to 1 that I don't get it, but, I'm rooting for me too Smiley Wink

 

Thanks, and I'll update the thread when I get a result.


Can't wait to hear. I have a young file as well so I'm interested to see how they respond to your app.


AU




Starting Score: 651
Current Score: 683
Goal Score: 751

Take the myFICO Fitness Challenge
Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.