Hi EVERYONE,
Thought this would be a good laugh.
I received my very first ever Pre-Approved offer in the mail. Unfortunately, it was from CreepyOne🤣
I’ll tell ya what...if it weren’t for MyFICO Forums and it’s GREAT Members...I might have went for it, not knowing better. I know I’ve got a thin file and need to add to it but, not CreepyOne, THAT’s for sure! Well, it felt good to receive my very first offer and a good laugh!!🤣🤣🤣
😊
Thought this would be a good laugh.
I received my very first ever Pre-Approved offer in the mail. Unfortunately, it was from CreepyOne🤣
I’ll tell ya what...if it weren’t for MyFICO Forums and it’s GREAT Members...I might have went for it, not knowing better. I know I’ve got a thin file and need to add to it but, not CreepyOne, THAT’s for sure! Well, it felt good to receive my very first offer and a good laugh!!🤣🤣🤣
😊
>
Hang in there! Bigger and better offers are yet to come.
Good call
I know I’m going to be in this bucket for while and I accept that. I tried for Cap1 Platinum and was denied early on in my present rebuild, not knowing any better. I’m an AU on DW Cap1 Platinum(unsecured) now(just hit and received the 5th statement CLI to $500)
...is having exposure to that card as an AU hinder future pre-approvals/pre-quals or is it still based off of ones’ credit profile??
Does it help at all and/or puts me on their radar, so to speak??
Last question: How long should I wait after trying prequal site to try again??
Of course, I know to wait until scores are a bit higher, as I just took a hit from graduating FH FreshStart.
...is having exposure to that card as an AU hinder future pre-approvals/pre-quals or is it still based off of ones’ credit profile??
Does it help at all and/or puts me on their radar, so to speak??
Last question: How long should I wait after trying prequal site to try again??
Of course, I know to wait until scores are a bit higher, as I just took a hit from graduating FH FreshStart.
@AverageJoesCredit wrote:
I want a Creepy One👻 K-in-Boston cant get one and today i found a hidden gem at Walgreens.....a Cadbury Scream Egg😱😇
Nah, he finally got excellent approval odds. He can forget about merrick though
@Brooklyn2018 wrote:
I know I’m going to be in this bucket for while and I accept that. I tried for Cap1 Platinum and was denied early on in my present rebuild, not knowing any better. I’m an AU on DW Cap1 Platinum(unsecured) now(just hit and received the 5th statement CLI to $500)
...is having exposure to that card as an AU hinder future pre-approvals/pre-quals or is it still based off of ones’ credit profile??
Does it help at all and/or puts me on their radar, so to speak??
Last question: How long should I wait after trying prequal site to try again??
Of course, I know to wait until scores are a bit higher, as I just took a hit from graduating FH FreshStart.
Scores aren't your problem. It's whatever is keeping your scores low. I got all my cards in my sig with scores less than 600. A higher score would have gotten me higher starting limits, but almost all of them were from sub-560.
@B_E_S
Wow! No kidding? I’m mean, that’s great but, I’ve got looming background noise that’s holding my scores down. In July 3 new collections popped up from old copays in 2015. $30/$16/$16 I recently just sent PFD to...and waiting on a deletion from CCS(Progressive) a PIF/deletion.
Yes those are not helping being so recent and 2 repos from 2015(oil field bust😞)...basically, everything stems from 2015/2016. If I can reduce the background noise then I’m sure I should see better numbers in a 6-12 month period to increase approval odds. Hopefully, right?! Lol...that’s the plan but, there are SO MANY variables...ugh!
Wow! No kidding? I’m mean, that’s great but, I’ve got looming background noise that’s holding my scores down. In July 3 new collections popped up from old copays in 2015. $30/$16/$16 I recently just sent PFD to...and waiting on a deletion from CCS(Progressive) a PIF/deletion.
Yes those are not helping being so recent and 2 repos from 2015(oil field bust😞)...basically, everything stems from 2015/2016. If I can reduce the background noise then I’m sure I should see better numbers in a 6-12 month period to increase approval odds. Hopefully, right?! Lol...that’s the plan but, there are SO MANY variables...ugh!
@Brooklyn2018 wrote:
@B_E_S
Wow! No kidding? I’m mean, that’s great but, I’ve got looming background noise that’s holding my scores down. In July 3 new collections popped up from old copays in 2015. $30/$16/$16 I recently just sent PFD to...and waiting on a deletion from CCS(Progressive) a PIF/deletion.
Yes those are not helping being so recent and 2 repos from 2015(oil field bust😞)...basically, everything stems from 2015/2016. If I can reduce the background noise then I’m sure I should see better numbers in a 6-12 month period to increase approval odds. Hopefully, right?! Lol...that’s the plan but, there are SO MANY variables...ugh!
Legit, the closest to 600 was my PayPal with an approval at 598. The things I get quoted for denial the most is unpaid collections and when they factor in my collections for DTI. I have 6 collections. 3 are falling off now, already have on EQ, I just settled one, about to start negotiations on 5th, and I'm going to pay the 6th outright because it's Citi. Word on the street is removing all collections will give you about an 80 point boost.