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OMG... Am I possibly getting approved... FINALLY?!

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chalupaman
Super Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!


@B335is wrote:
Discover is so weird. Why don't they just say denied on the website.

At least they didn't pull a Wells Fargo on CA. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 31 of 53
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!


@Creditaddict wrote:

DENIED

they pulled EX

To many INQ's

Past Delinquencies to new


 

Exactly how many inquiries do you credit reports have? lol

Message 32 of 53
Creditaddict
Legendary Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!

I posted it above
Message 33 of 53
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!

Looked throughout the thread, and couldn't find anything stating exactly how many inquiries you've got haha

Message 34 of 53
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!

Creditaddict actually answered this in another thread:

 


@Creditaddict wrote:


@Anonymous wrote:

@Creditaddict wrote:

Club Carlson denied... ill have to wait for letter for reasons it doesn't show in email or wait to get the letter now.


Just one question...(not sure if you've already answered this in another thread) but how many inquries do you have? If you don't mind sharing of course. 


EX = 35 or so I believe

TU = 9 (almost all GE/Sync and everytime I apply for a new GE/Sync card they seem to delete 2 older Inq's from them! I wont' complain.

EQ = over 20 I think but it's frozen.

 

Message 35 of 53
Anonymous
Not applicable

Re: OMG... Am I possibly getting approved... FINALLY?!

Anywho, that sucks. Hopefully you'll have better luck next time. 

Message 36 of 53
B335is
Moderator Emeritus

Re: OMG... Am I possibly getting approved... FINALLY?!

Yeah but going through the extra step to call in or ask you to call in just to be told denied is stupid.
Message 37 of 53
Creditaddict
Legendary Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!

Right!!
Message 38 of 53
woodyman100
Valued Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!


@CreditUnionFan wrote:

@Anonymous wrote:

They are going to offer you a joint account.


And of course the response will be something along the lines of "I would like to not have to explain myself when I make a purchase" or "I'd like to earn the cashback bonus for myself instead of the primary accountholder."

 

Good luck with the app, CA!


+10

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-HarvardFCU-Keypoint CU-DCU-Union Square FCU-SignatureFCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Bread -DSNB-Webbank
Message 39 of 53
Gatito
Contributor

Re: OMG... Am I possibly getting approved... FINALLY?!

32 INQS? They said no to me because of my damn 7 inqs!! Smiley Mad OH DISCOVER HOW I HATE YOU BUT HOW I WANT YOU LMAO we have a love hate relationship Smiley Very Happy

Message 40 of 53
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