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Ducks Unlimited with low account age/high inquiries

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Established Contributor

Re: Ducks Unlimited with low account age/high inquiries

🤞🏻🤞🏻 Rooting for you too OP... ... ... Shuckey Duckey Quack Quack!!! 🦆 🦆

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
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Message 11 of 18
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Moderator

Re: Ducks Unlimited with low account age/high inquiries

tough card to get depending on how many inquiries you have on Exp in last 6-12 months among many other factors.  People with 800+ scores and long profiles get shot down alot for this card due to credit seeking on experian.. I am a serious credit seeker, but only had 1 or 2 hps in last year on Experian is how i scored a killer 15k limit on card and score was 800ish.  Best of luck

Message 12 of 18
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Valued Contributor

Re: Ducks Unlimited with low account age/high inquiries


@CreditCuriosity wrote:

tough card to get depending on how many inquiries you have on Exp in last 6-12 months among many other factors.  People with 800+ scores and long profiles get shot down alot for this card due to credit seeking on experian.. I am a serious credit seeker, but only had 1 or 2 hps in last year on Experian is how i scored a killer 15k limit on card and score was 800ish.  Best of luck


CC you are abosolutly correct, but I was an outlier. 

I apped on 8/20 and got the verification call today. 

Got a bit of a talking to about my inqs (80+). She was sure it was fraud.

i didn’t sweettalk anything, 

 

her: Why so many inquiries?! Is it fraud?

 

Me: (chuckling) I’ll cop to those. Just having fun trying to get better cards. Also have a business that i’m Working up credit lines for also.

 

In the end I was approved for 10k!

TU 804 

NFCU-BBVA-Discover-Capital One-Apple-Redstone-John Deere-Signature-EECU-Bank of America-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions
Message 13 of 18
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Established Contributor

Re: Ducks Unlimited with low account age/high inquiries

I got an email about 10 minutes ago saying "we have reached a decision on your application," with a button to click to see status. I clicked that, entered zip, last four of SSN, and phone number, and it says the same thing it has said since I applied, "pending." I guess the system just hasn't updated status yet. But, sounds like a denial to me, because if it was an approval, I would have gotten welcome info. Will update again when it's official.

 

Edit: It's official - denied. :/


Young profile, but no derogs. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. The only thing in my signature that was on my CRs then was the old closed Exxon card. I am a MyFICO monthly paying customer. One might think my perspective would be welcome here, but ...
Cards

Authorized user / Corporate / Auto loan

Card CLs total $80,100, not counting the AU card. In March 2019, card CLs totaled $0. In April 2019, card CLs reached $500. Since then, I received a lot of great advice on this board, as well as a lot of advice I didn't take, that is good for most situations, but not mine. Bronze spade on July 3.
Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 04/19-09/19 | 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.
Message 14 of 18
Frequent Contributor

Re: Ducks Unlimited with low account age/high inquiries

You could call # from backdoor thread and they will tell you.
Message 15 of 18
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Established Contributor

Re: Ducks Unlimited with low account age/high inquiries


@KJinNC wrote:

I got an email about 10 minutes ago saying "we have reached a decision on your application," with a button to click to see status. I clicked that, entered zip, last four of SSN, and phone number, and it says the same thing it has said since I applied, "pending." I guess the system just hasn't updated status yet. But, sounds like a denial to me, because if it was an approval, I would have gotten welcome info. Will update again when it's official.

 

Edit: It's official - denied. :/


Oh well, maybe next time Smiley Wink


AU




Starting Score: 651
Current Score: 687
Goal Score: 751

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Message 16 of 18
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Moderator

Re: Ducks Unlimited with low account age/high inquiries


@SEAlifer wrote:

@KJinNC wrote:

I got an email about 10 minutes ago saying "we have reached a decision on your application," with a button to click to see status. I clicked that, entered zip, last four of SSN, and phone number, and it says the same thing it has said since I applied, "pending." I guess the system just hasn't updated status yet. But, sounds like a denial to me, because if it was an approval, I would have gotten welcome info. Will update again when it's official.

 

Edit: It's official - denied. :/


Oh well, maybe next time Smiley Wink


Yup, definitely a gamble, but at least the OP has more info on what to expect from FNBO. 

Message 17 of 18
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Established Contributor

Re: Ducks Unlimited with low account age/high inquiries

Yep, it was a longshot, but you never know. I've gotten some surprisingly good results and some surprisingly bad ones, so far in my build/rebuild.

 

And now, I think I have no reason to do anything but garden for at least six months, since the only two cards I still want for now are DU, and a Chase card (and I'm over 5/24 until 2021). Maybe some CLI requests will be HP, but otherwise, time to garden.


Young profile, but no derogs. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. The only thing in my signature that was on my CRs then was the old closed Exxon card. I am a MyFICO monthly paying customer. One might think my perspective would be welcome here, but ...
Cards

Authorized user / Corporate / Auto loan

Card CLs total $80,100, not counting the AU card. In March 2019, card CLs totaled $0. In April 2019, card CLs reached $500. Since then, I received a lot of great advice on this board, as well as a lot of advice I didn't take, that is good for most situations, but not mine. Bronze spade on July 3.
Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 04/19-09/19 | 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.
Message 18 of 18
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