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Congrats on the approvals..
awesome
Congrats on the approvals.
@Anonymous wrote:Venture - $5000
AMEX BCE - $3000
AMEX ED - $??? Pending b/c of BCE App Approval
Lowe's $2000
Walmart MC $2200
BoA Cash Rewards - $2000
Discover - Denied (Collection Acct on CR)
Sallie Mae World - Denied (? 7-10 Day Letter)
Chase Freedom - Denied (Collection Acct on CR)
CitiBank - Denied (Collection Acct on CR)
No Accounts in NOV 2014. I didn't even know what a credit score was LOL! 2015 I have bought a Car! Just closed on my house! I dont know how many accounts I have now need to count but I going to the garden for 2 years!!! Unless someone sees something im missing that I might get approved for LOL! My INQ's are 10-15ish I believe. Love this site couldn't have done it without everyone's help! Love you guys! This is way better than Facebook!!!
NOV 2014 TU - 633 EQ - 725 EX - 632
MAY 2015 TU - 728 EQ - 716 EX -716
Wow.. thats a great spree.. congrats oP.
was the collection account a medical or other?
what if i have just one open collections for a medical bill do you think they would deny my for that its only about 300.00 have 3 closed that were paid a couple years ago.
@Anonymous wrote:
Thanks everyone! Really happy about AMEX approval! Everything else is just icing on the cake! Seeds planted! Now time to garden! Also, anyone have info on CLI on my new cards when to hit the luv button etc. TIA
Try reconning that Barclay card one or two more times. It's all about getting the right person on the phone and people have been approved after 3 or 4 attempts.
Now onto CLIs:
Venture - You can request online at any time, and as often as you'd like, but I suggest waiting until 2 statements cut. Will always be a SP. May have to contact EO for request in the future. Try every 3-6 months.
BCE - You can request a 3x CLI at activation. Will always be a SP. I suggest waiting to see the outcome of the ED app because you may get a higher limit on that card and may want to try the 3x CLI with that card. If denied, you have to wait 90 days to submit another request. If approved, you have to wait 181 days to submit another request.
ED - Same as above ^^ It should be noted that you can only get ONE CLI every 6 months between ALL of your accounts!
Lowes - I believe you can call Credit Solutions (866-519-6441) ASAP and request one. (Always ask for 25k and say you're planning a remodel job at your home or something of the like) Not sure on frequency of CLI attempts.
Walmart - Unfamiliar
BofA - They like to see 6 months of usage and you can request one online. It will be a TU HP 99% of the time. Always ask for $25k and they will counter. If the computer doesn't grant the full amount requested, call in and speak with an analyst to manually review the request. I'm 2/2 for successful CLIs but only 1/2 on reconning for a higher amount.
Good luck with the recon attempts! ![]()