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Possible Excitement

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Skye12329
Valued Contributor

Possible Excitement

So my BF's credit is improving from when he was in college he screwed up well we might have some good news Smiley Happy

 

Barclays Ring - No go when we called the first analyst. Going to try a few more, only reason - Not enough experience with individual account right now

Chase Freedom - Reviewing - He might be BL for defaulting on a card like 10 years ago...not sure but its worth a shot

Amex Everyday - Another long shot, but it came back asking for additional info and he answered and now the application is being reviewed. 

 

So we are hoping, His Fico Scores are 670 across so its worth a shot we figured since he is still technically rebuilding. 

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Message 1 of 11
10 REPLIES 10
revjamesl
Valued Contributor

Re: Possible Excitement

Hope all works out well.

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 2 of 11
Mortalito77
Regular Contributor

Re: Possible Excitement

Keep us updated on the results. Good luck!

The WorLd Is Yours

Message 3 of 11
Anonymous
Not applicable

Re: Possible Excitement

Good luck
Message 4 of 11
Anonymous
Not applicable

Re: Possible Excitement

All the best.. Keep us posted on results.

Message 5 of 11
chalupaman
Super Contributor

Re: Possible Excitement

I wish him the best of luck.

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 6 of 11
B335is
Moderator Emeritus

Re: Possible Excitement

Good luck! I'll keep my fingers crossed.
Message 7 of 11
tonyjones
Valued Contributor

Re: Possible Excitement


@Skye12329 wrote:

So my BF's credit is improving from when he was in college he screwed up well we might have some good news Smiley Happy

 

Barclays Ring - No go when we called the first analyst. Going to try a few more, only reason - Not enough experience with individual account right now

Chase Freedom - Reviewing - He might be BL for defaulting on a card like 10 years ago...not sure but its worth a shot

Amex Everyday - Another long shot, but it came back asking for additional info and he answered and now the application is being reviewed. 

 

So we are hoping, His Fico Scores are 670 across so its worth a shot we figured since he is still technically rebuilding. 


Goodluck! My scores are around his when I got approved for the Amex BCE/Everyday, Chase Slate, and Barclays Sallie Mae last month. Don't give up!!!

Current Fico Scores: (November 2024)
Message 8 of 11
Skye12329
Valued Contributor

Re: Possible Excitement

So far it looks like Amex was denied. Not sure why, the reasons don't or won't say on the website. My guess is maybe the same reason as Barclays? Still waiting on Chase though.
BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Message 9 of 11
FocusedAndDetermined
Senior Contributor

Re: Possible Excitement

Best of luck!  Let us know how it turns out.

Message 10 of 11
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