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trans 809 equifax 814 exp 540

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Community Leader
Super Contributor

Re: trans 809 equifax 814 exp 540


@usaallegiancestore wrote:

I APPLIED FOR US BANK PLATINUM AND BARCLAYS BECAUSE I HEARD THEY ONLY TRANSUNION AND WAS DENIED FOR BOTH....

 

SO NOW I DON'T KNOW WHAT TO DO...

 

SHOULD I GET A STORE CARD LIKE SYNCHRONY 

 

ANY RECOMMENDATIONS OF WHERE TO START AS FAR AS SYNCHRONY?


What does your actual credit profile look like aside from the negatives you're trying to remove from your EX report? Cards, limits, dates opened, AAoA, etc.

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 11 of 18
Moderator

Re: trans 809 equifax 814 exp 540

OP, it appears your Caps Lock button is stuck. Unless, you're really wanting to convey your strong responses 😉😄

What were the reasons cited on those denial letters?
Message 12 of 18
Community Leader
Super Contributor

Re: trans 809 equifax 814 exp 540

I always harp this but is your file thin or thick ? Huge difference in 800 scores . By that i mean someone who only has credit a year who may have 800 scores is not the same as a person with years under their belt with same scores
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 13 of 18

Re: trans 809 equifax 814 exp 540

sorry for cap lock...haha

 

thin file...just authorized users

Message 14 of 18

Re: trans 809 equifax 814 exp 540

I called the application status line and it said approved and they will send my card and other information within 7-10 business days. Any way to find out how much the limit is?
Message 15 of 18
Member

Re: trans 809 equifax 814 exp 540

With those excellent first scores consider applying for cards that only pull from those two until your sl get removed. You will see huge limits and offers, good luck..
Message 16 of 18
Frequent Contributor

Re: trans 809 equifax 814 exp 540


@usaallegiancestore wrote:

I APPLIED FOR US BANK PLATINUM AND BARCLAYS BECAUSE I HEARD THEY ONLY TRANSUNION AND WAS DENIED FOR BOTH....

 

SO NOW I DON'T KNOW WHAT TO DO...

 

SHOULD I GET A STORE CARD LIKE SYNCHRONY 

 

ANY RECOMMENDATIONS OF WHERE TO START AS FAR AS SYNCHRONY?


Yeah, but did they actually pull Transunion? Do you see the inquires there? I ask because I applied from some CC's based on alleged "known Transunion pullers". Rejected. Because they pulled Experian (Including Synchrony) which is my lowest score. I later found out that due to my state  most of the banks only pull Experian. All my pulls are on Ex. The only Inq on my other reports are the triple puller Cap1.

I just returned from financial hell. Don't go, the brochure is a lie.
Message 17 of 18
Valued Contributor

Re: trans 809 equifax 814 exp 540

Synch loves to pull Experian

 

Ask me how I knowSmiley Embarassed

NFCU PLAT 20K NFCU CR 15K NFCU AMEX 10K PENFED PROMISE 10K PENFED GOLD 10K BBVA COMPASS 7.5K CITI SIMPLICITY 4.3K DISCOVER 2.4K AMEX BC 3K AMEX MAGNET 1K AMEX ED 1K AMEX HILTON 1K. CARECREDIT 25K AMAZON 10K WALMART 10K MACYS 25K WAYFAIR 22.5K MARVEL 4.5K AU LOWES 35K IKEA 6K
Message 18 of 18