Okay update!
Went on a little app spree when I shouldn't have :/
I applied for a student loan with discover and they did a tri pull, so my scores went down without me knowing before I appd
First was BBVA - still waiting for them to contacting me.
Citi- denied for too many INQs. 11 all but 5 were for mortgages though. I didn't know they all still counted for credit cards
Discover miles- (another tri pull. Interesting), denied. Don't have a reason yet. I have the student card for almost a year, maybe the student loan scared them off?
SAMs Club MC- approved after an hour of verifying my information haha. Limit 7.5k
Really need this BBVA card now for this balance transfer or my scores are going to tank
Went on a little app spree when I shouldn't have :/
I applied for a student loan with discover and they did a tri pull, so my scores went down without me knowing before I appd
First was BBVA - still waiting for them to contacting me.
Citi- denied for too many INQs. 11
all but 5 were for mortgages though. I didn't know they all still counted for credit cardsDiscover miles- (another tri pull. Interesting), denied. Don't have a reason yet. I have the student card for almost a year, maybe the student loan scared them off?
SAMs Club MC- approved after an hour of verifying my information haha. Limit 7.5k
Really need this BBVA card now for this balance transfer or my scores are going to tank
@Anonymous wrote:
Okay update!
Went on a little app spree when I shouldn't have :/
I applied for a student loan with discover and they did a tri pull, so my scores went down without me knowing before I appd
First was BBVA - still waiting for them to contacting me.
Citi- denied for too many INQs. 11
Discover miles- (another tri pull. Interesting), denied. Don't have a reason yet. I have the student card for almost a year, maybe the student loan scared them off?
SAMs Club MC- approved after an hour of verifying my information haha. Limit 7.5k
Really need this BBVA card now for this balance transfer or my scores are going to tank
Congratulations on the Sams Club MC. What are your scores now? Try calling BBVA. That $7500 should provide some cushion for the $3000 you charged. Did you call Citi to recon?
Thanks! 
Scores after all INQs are 737 EQ, 742 TU, 709 EX (ugh). These are FICO 08s
Bank card EX was 731 when applied to citi. Would recon add another HP? I just don't want to carry my balance on my AMEX unless I have to.
Scores after all INQs are 737 EQ, 742 TU, 709 EX (ugh). These are FICO 08s
Bank card EX was 731 when applied to citi. Would recon add another HP? I just don't want to carry my balance on my AMEX unless I have to.
@Anonymous wrote:
Thanks!
Scores after all INQs are 737 EQ, 742 TU, 709 EX (ugh). These are FICO 08s
Bank card EX was 731 when applied to citi. Would recon add another HP? I just don't want to carry my balance on my AMEX unless I have to.
Sorry this is a bit off topic, but what version Bankcard Score did Citi use? Was it 8 or an earlier version?
Looks like it was the 8 version for me
@Anonymous wrote:
Looks like it was the 8 version for me
Thank you so much!
Another update!
called citi recon, spoke to a nice lady and said she will send over the report to a senior analyst to review the INQ since all but 1 INQ in the last 6 months were mortgage related. So maybe there's hope!
called citi recon, spoke to a nice lady and said she will send over the report to a senior analyst to review the INQ since all but 1 INQ in the last 6 months were mortgage related. So maybe there's hope!