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@CreditCuriosity if I could figure out how to join without getting a separate PhD, I would have long time ago
I think it might be simpler just to fly and apply
I finally received the letter after my first pre-qual didn't work, because my reports were locked specifically EX. So after debating to give it another shot, curorsity killed the cat in the end & I unlocked it. Hit the pre-qual again.... $5k @ 22.24 APR 🤨 especially when they have a little note @ the bottom saying they SL might be less after going through the app process. Yeah no thanks, no matter how much I love the color green lol, doesn't seem worth it for a HP. If it was 10k then now we're talking
I'd tried for a kicks and was approved for $11,300 at 18.24%. I'm impressed.
Guyatthebeach
@Guyatthebeach Congrats my friend, that is awesome! We both are incredibly lucky, we must be doing something right, lol
I'm very happy to have a card with FNBO again. I wasn't expecting to be approved since my bankruptcy has not fallen off yet.
Now to see if I can get back into Chase and BOA.
Guyatthebeach
@Guyatthebeach I have to many inquiries or else I would be probably applying the same places that you are going to apply to, good luck with everything, sucks, I need to wait about a tad over a year and let my inquiries fall off....
I did the prequal last week and came up preapproved for secured. Figured this was because my Experian was locked. Unlocked and waited 5 days; preapproved for 6.9k, 21.24% I think. I should have screenshot.
Anyway, proceed and get the 2-4 week message. Four hours later, denial. 🤷🏾♀️
DPs:
Fico 8: 670
Inq: 5(before app and majority falling off this year)
Accounts opened in last 6 months: 4
BK reporting(Discharged 8/2019)
3% utilization
Guessing the BK and number of accounts opened triggered denial. Should've waited/stayed in the garden. 🤷🏾♀️
I'm trying to garden but FNBO is making me weak.
Unlocked my Experian for a prequal, got 15k at 22.x%. Last time I tried it was 14k at 25%.
I locked my Experian back up. But I don't know if I can resist. Please. Send help.
@rostrow416 wrote:I'm trying to garden but FNBO is making me weak.
Unlocked my Experian for a prequal, got 15k at 22.x%. Last time I tried it was 14k at 25%.
I locked my Experian back up. But I don't know if I can resist. Please. Send help.
No help here... it would hypocritical