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2 Apps and 2 Approvals in one day!

Regular Contributor

Re: 2 Apps and 2 Approvals in one day!

@Meanmachine-that has my 100% attention! Are you really allowed to ask for that? Tu only? Or Ex too?
Message 11 of 17
Valued Contributor

Re: 2 Apps and 2 Approvals in one day!

Congrats on both approvals

7-2018 / Fico 8 EX 774 , EQ 781 , TR 785
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 12 of 17
Established Contributor

Re: 2 Apps and 2 Approvals in one day!


@Tutheather22 wrote:
@Meanmachine-that has my 100% attention! Are you really allowed to ask for that? Tu only? Or Ex too?

It's called Early Exclusion or EE around here.  All 3 do it, TU, EX, EQ.  You just call in and say, hey this is going to fall off in 6 months, can you remove it early?  TU is 6 months early.  I can't remember how long for the other 2.  

Message 13 of 17
New Contributor

Re: 2 Apps and 2 Approvals in one day!

congrats on the approvals!
FICO 8 (as of 9/2018) | EX: 811 | TU: 819 | EQ: 836
Inquiries (as of 9/2018) | EX: 2 | TU: 1 | EQ: 0

NFCU More Rewards Amex $25,000 | NFCU Go Rewards Visa Sig $24,300 | Macy's $22,000 | Citi Simplicity Mastercard $18,500 | Synchrony (Mohawk) $16,500 | Citi Costco Visa Sig $12,300 | PenFed Gold Visa $11,000 | PenFed Promise Visa $10,500 | Bank Americard Mastercard $7,000 | Discover It $5,500 | Citi Diamond Preferred Visa $4,000 | Kohl's $3,000

Message 14 of 17
Regular Contributor

Re: 2 Apps and 2 Approvals in one day!

It looks as if Discover and Amex both pulled EX...my score only dropped 3 points to 658. I havent seen anything on TU or EQ as of yet. Im going to look into this Early Exclusion thing you guys have mentioned. That would be so amazing if i could get that off my reports early. It really is holding down my scores ALOT!
Message 15 of 17
Valued Contributor

Re: 2 Apps and 2 Approvals in one day!

For TU and EX you start with the Date of Frist Deliquency (DOFD).  Add 7 years to it

For TU, you ignore the 'day' portion and subtract 6 months.  At this point, TU will remove your collection

 

For EX its a little more complicated.  Here you use the "day" portion. EX will normally remove it 3 months early.  But you can have a supervisor remove it early 1 month earlier but it has to be on or after the day.  

 

Example  DOFD = 12/15/2011

TU will remove it 6/1/2018  (six months )

EX will remove it 8/15/2018 (four months to the day)

EQ will not remove early.  Their computers do do it but you can never know when exactly

 

As a side note, EX will remove inquiries on the 1st of the month on the month they are due to fall off.. Example, inquiry date 12/22/2016.  On 12/1/2018 you can ask them to remove it

 

Hope it help!




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>10/2018 CCT EX 801 TU 818 EQ 805
You are only young once, but you can be immature forever
Message 16 of 17
Regular Contributor

Re: 2 Apps and 2 Approvals in one day!


@Tutheather22 wrote:
Oh wow!!! Ive been so wrapped up in excitement about getting in with Amex that i forgot all about the 3xCLI! So, that would be 61 days from today, right? What about Discover? When is the first time i can ask for a credit increase with them?

It's 61 days from account opening. If you are unsure of that day you can ask customer service via chat on the AMEX site.

 

In regards to Disco, that's kind of a crap shoot. There isn't much rhyme nor reason to their CLI eligibility. I think I was at about the 2 month mark when I asked and recieved a $500 increase.

Message 17 of 17