fifth 3rd cold app for TrulySimple

[Anonymous]

Made a cold app without any kind of preapproval letter for fifth third bank. Found out they pulled EQ for Georgia.

I m waiting to find out if they approved or not ? EQ Fico 8 697 Fico 9 708.

Dont have their recon/status app number just yet.. Their customer service # only good for banking.

[CreditCuriosity]

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@Anonymouswrote:

Made a cold app without any kind of preapproval letter for fifth third bank. Found out they pulled EQ for Georgia.

I m waiting to find out if they approved or not ? EQ Fico 8 697 Fico 9 708.

Dont have their recon/status app number just yet.. Their customer service # only good for banking.

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What message did you get or did it say?  Yes they pull EQ I believe they use 09 scores if I recall correctly.  I have had the TRIO for about 6 months or so with a 10k limit applied on friday for the Truely Simple after I closed on my mortgage and also got an instant approval for 10k with no pre-quals.  EQ 08 was 710ish 09 was 730+.  So old lates/paid co's that are 6.5 years old.  Util 1%, 6 figure income, etc.  

Going to have to wait for letter or card to arrive, but suspect with that score you will be approved as believe where you live is in their service area as well.

Their CS phone people are a PITA and not very helpful

[Anonymous]

Credit Curiosity

That is really nice to know. From reading posts on TRIO/Truly Simple i gathered that they pulled TU & not EQ.

Truly simple if approved i believe give generous SL and i so desperately need that for it was my attraction for their 15 months 0% B/T with 4% B/T fee but worth it since i apped for slate and got barely a $1300 SL. no B/T fee..  

[CreditCuriosity]

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@Anonymouswrote:

Credit Curiosity

That is really nice to know. From reading posts on TRIO/Truly Simple i gathered that they pulled TU & not EQ.

Truly simple if approved i believe give generous SL and i so desperately need that for it was my attraction for their 15 months 0% B/T with 4% B/T fee but worth it since i apped for slate and got barely a $1300 SL. no B/T fee..  

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You should be fine with your scores.. Ya in the south I live in Nashville 5/3rd typically pulls EQ for us as do most creditors where we live for whatever reason.  I thought I would get 10k-15k approval was hoping for higher, but came in at the 10k approval which is fine for my needs I suppose will be using it for the 0%APR on some smalls stuff on my new house to pay off over time.  Ya Slate is a dud if you can't get a usable SL which appears to be the care for you which sucks .. I would ask to PC that to the Freedom or Freedom Unlimted so at least you get some rewards as 1300 is useless for a BT card as you are aware.

[Anonymous]

o well slate is my 5th card in the 5/24 scheme so i could have applied for freedom or do a dual app freedom/slate but i also app for truly simple and if truly simple approved it will be 6th card.

So upon recheck i found my EQ9 is 729 Fico 9 , 733 Bankcard Fico9 score. if they look at eq 9 i m hoping approval. fingers crossed.

I also have a student loan chargeoff that will early exclude aug 2020 & not sure what to make of it in approvals.

so now i have

a) Discover $1k limit; Zero Bal.

b) Kohls $400 limit' zero Bal

c) Cap1 $2500 limit ; zero bal

d) PayPal Xtra Mc $4000 limit; $44 balance

e) Slate $1300 limit; just approved zero balance.

f) Cap1 AutoFinance: $14635 balance.

 No gas cards, furniture store cards or comenity cards, walmarts/sams club costco or Bj's

With aug 2020 as falling off my student loan chargeoff, how many and what other cards are good enough for upto august 2020. any suggestions?

AMEX. BOA, Chase Barclays Citi i have tried but only have denials.. Maybe something for after aug 2020.

But until then

credit union cards? installment loans

[CreditCuriosity]

If I were you If approved or not approved I would just let your profile age, but that is just me.  How is your SL going to fall off your report as SL's are guaranteed by the government just like death and taxes you can't get out of student loans other than if you have a serious disability or other qualifying event.  Also what made you want a BT card as it appears from what you listed above you don't have balances?

[Anonymous]

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@Anonymouswrote:

Made a cold app without any kind of preapproval letter for fifth third bank. Found out they pulled EQ for Georgia.

I m waiting to find out if they approved or not ? EQ Fico 8 697 Fico 9 708.

Dont have their recon/status app number just yet.. Their customer service # only good for banking.

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What happened when you applied? 7-10 days or 30 days notice?

[Anonymous]

All very good questions Credit curiosity.

First the student loan chargeoff.

Unlike most other student loans that are subsidized/unsub, this student loan through wells Fargo was a private student loan that went many a months lates and finally chargeoff with DOFD of Nov 2012 .This student loan balance of $3315 was paidoff by me and in compliance of student loans in default,  the chargeoff remains but lates are removed. So counting seven and half years according to EXP/EQ/TU it comes out to be august 2020. This student loan was for my daughter and i was a co-maker.

"what made you want a BT card as it appears from what you listed above you don't have balances?"

On my profile you see a CapOneAutoFinance loan of $ 14,500. That loan is at 10.8% for 72 months having only paid 9 months so far with a $309 payment/mo.  I m working on refinancing with my scores to a better deal and have been thinking that if thatTruly Simple 0% APR B/T is approved its a blessing for me.

By taking off upto $5000 or some number thats affordable to payoff in a year, i plan on refinancing my 14 Honda CRV the remaining balance with PenFed/DCU/Alliant/sDfCu whoever gives me under 3.5% APR for 48mos or 60 mos and see what my affordability index tells me is possible. This way the refinancing falls way way under their NADA/KBB/ Appraised values and sets up an affordable payment schedule keeping in mind throwing as much as possible more into the auto loan or b/T while maintaining the credit cards i have with minimal usage and let it grow over time.

While my credit is OK, a B/T would also help my sister's credit card balances of upto $3200 transferred over and she will be responsible for it but i can help her out for now. That $3200 off is heaven, for my sister will be debt free and with her having to stay home and not work for now (she babysits & runs salon/parlor from home) she will make payments & i will make payments and all is well hopefully.

So thats my story & i m sticking to it.

[Anonymous]

TreasureCredit wrote:

What happened when you applied? 7-10 days or 30 days notice?

if i remember it correctly, it was a 30 day notice.

I dont think i will bother calling them, wait for their mail see what shows up.

[Anonymous]

@ TreasureCredit

Been 30 days and still waiting on approval? haven't heard nothing yet.

if EQ fico9 used that score is 729 i think.

just dont know what to make of fifth third.