@FinStar wrote:
@Themanwhocan wrote:I applied for NASA FCU credit card, and was declined:
Excessive Open Revolving Accounts and/or Borrowing Capacity. Excessive Recently Opened Trades.
Ah well, there goes the dream...
So, other than the CCs in your signature, what other newer TLs have been opened recently, like 5, 7, 10? And, how long ago, whithin 6 months?
My TU has just jumped from 749 -> 761 on 12/4/2014, though I just "discovered" it today (via Discovercard). EX was 765 when I obtained those last 2 cards 180+ days ago, so I assume it has recovered. EQ has too many inquiries.
| Transunion | Experian | Equifax | Months | ||||
| 1/17/2013 | 1 | 22 | us bank | ||||
| 1/24/2013 | 1 | 22 | elan | ||||
| 1/25/2013 | 1 | 22 | discover it | ||||
| 4/3/2013 | 1 | 20 | us bank | ||||
| 4/19/2013 | 1 | 1 | 19 | bce | |||
| 4/20/2013 | 1 | 19 | bce | ||||
| 5/7/2013 | 1 | 19 | barclay priceline | ||||
| 7/27/2013 | 1 | 16 | discover cli to $3000 | ||||
| 8/6/2013 | 1 | 16 | US Bank failed CLI (bug) | ||||
| 9/21/2013 | 1 | 14 | barclay sallie mae platinum | ||||
| 11/15/2013 | 1 | 12 | Discover CLI to $5000 | ||||
| 11/18/2013 | 1 | 1 | 12 | freedom | |||
| 4/7/2014 | 1 | 8 | barclay sallie mae world | ||||
| 4/17/2014 | 1 | 7 | barclay failed Upromise | ||||
| 5/2/2014 | 1 | 7 | barclay failed cli | ||||
| 5/10/2014 | 1 | 6 | citizens bank failed application | ||||
| 6/9/2014 | 1 | 6 | BOA Better Balance Rewards | ||||
| 6/11/2014 | 1 | 1 | 5 | Chase Sapphire Preferred | |||
| 7/10/2014 | 1 | 4 | barclay failed cli | ||||
| 7/28/2014 | 1 | 4 | DCU membership | ||||
| 8/20/2014 | 1 | 3 | FNBO failed New York Life | ||||
| Total two years | 9 | 4 | 11 | ||||
| Total this year | 3 | 2 | 5 | ||||
| Total six months | 1 | 2 | 3 |
@Themanwhocan wrote:
@FinStar wrote:
@Themanwhocan wrote:I applied for NASA FCU credit card, and was declined:
Excessive Open Revolving Accounts and/or Borrowing Capacity. Excessive Recently Opened Trades.
Ah well, there goes the dream...
So, other than the CCs in your signature, what other newer TLs have been opened recently, like 5, 7, 10? And, how long ago, whithin 6 months?
My TU has just jumped from 749 -> 761 on 12/4/2014, though I just "discovered" it today (via Discovercard). EX was 765 when I obtained those last 2 cards 180+ days ago, so I assume it has recovered. EQ has too many inquiries.
Transunion Experian Equifax Months 1/17/2013 1 22 us bank 1/24/2013 1 22 elan 1/25/2013 1 22 discover it 4/3/2013 1 20 us bank 4/19/2013 1 1 19 bce 4/20/2013 1 19 bce 5/7/2013 1 19 barclay priceline 7/27/2013 1 16 discover cli to $3000 8/6/2013 1 16 US Bank failed CLI (bug) 9/21/2013 1 14 barclay sallie mae platinum 11/15/2013 1 12 Discover CLI to $5000 11/18/2013 1 1 12 freedom 4/7/2014 1 8 barclay sallie mae world 4/17/2014 1 7 barclay failed Upromise 5/2/2014 1 7 barclay failed cli 5/10/2014 1 6 citizens bank failed application 6/9/2014 1 6 BOA Better Balance Rewards 6/11/2014 1 1 5 Chase Sapphire Preferred 7/10/2014 1 4 barclay failed cli 7/28/2014 1 4 DCU membership 8/20/2014 1 3 FNBO failed New York Life Total two years 9 4 11 Total this year 3 2 5 Total six months 1 2 3
Very detailed tracking - I like. Honestly, since they are EX pullers (other than the recent 3 newish accounts from April) it's definitely possible you can try the reconsideration route with NASA. I have definitely way more accounts and open exposure than you do and a sprinkle of inquiries in EX (theirs were all SPs) and was still approved - I had to submit POI and residence info but was good with those conditions and approved for $30K back in Oct. It's not like you have opened 10+ new tradelines, your scores deteriorated or are swimming in a pool of inquiries.
this is easier to read
