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Ducks Unlimited with low account age/high inquiries

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Valued 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.


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $87,400, not counting the AU card. The AU card brings the total to $112,400. In March 2019, card CLs totaled $0.

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 1 of 18
17 REPLIES 17
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Senior Contributor

Re: Ducks Unlimited with low account age/high inquiries

Good Luck!  Hopefully it will a be "yes"

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 2 of 18
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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
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Moderator Emeritus

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
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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
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Valued 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!


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $87,400, not counting the AU card. The AU card brings the total to $112,400. In March 2019, card CLs totaled $0.

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 6 of 18
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Community Leader
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
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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.
>09/2020 CCT EX 818 TU 826 EQ 840

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 8 of 18
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Valued 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.


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $87,400, not counting the AU card. The AU card brings the total to $112,400. In March 2019, card CLs totaled $0.

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 9 of 18
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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



Message 10 of 18
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