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2 day!! CC APP SPREE & DATA POINTS

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2 day!! CC APP SPREE & DATA POINTS

Hello People i just wanted to share my 2 day CC app spree experience with you guys after doing long hrs of researching the most I could on this forums... thank you all for the knowledge, suggestions , advice and support from u guys.. you’re the real mvp ever since I started coming in here I have succeeded successful at the best of my knowledge.. Thanks again It’s really hard to find anything like the data points anywhere else on internet but in here the grass is green and it keeps growing.. So last night I decided to accept for the Synchrony 2% cash back on everything 19.74apr.. 0% interest for 12 months was approved for 6900 SL they pulled Experian they didn’t tell me which score model they used but exp fico8 was 758 before app ok then today I applied for penfed since I have my brother in the navy and other family members in the national guard , Marines, so they approved my membership but rejected my CC application for the power cash rewards I really liked the 1.5 cash back but oh well 😔 I don’t understand why they denied me Equifax fico model they used said 776 and I recon but was not successful they said because the derogatory event it was a collection from Comcast $129 from 5 years ago I had co sign for my mother in-law And I didn’t know anything about the account till it was already in collections 2 months later I found out about it and contacted Comcast and payed it immediately the sad thing about it that penfed hard pulled my Equifax 2 times when I recon so they 3x hit my Equifax but anyways it is what it is.. I called again and told them why did they re applied my CC app again they said every every time u apply for a product it’s going to be a hard pull no matter what I couldn’t believe it so anyways i was upset and I went on and applied for Amex and Citi and was instantly approved for both and only 1 pull on Exp since I already had an Amex account ..Citi prestige 17K SL 20.74 Apr they pulled exp 769 not sure which model score , I had 11 inquiries now 12 and cc util 1% and Amex cash magnet card was approved for 15K SL no hard pull thanks a lot guys for the suggestions u guys gave me that led me to go on a app spree since I’m going to be remodeling my wife’s grandmas house gonna do a nice upgrade so it can bring the value of the home up to 55K My wife is trying to make a profit so I’m hoping this pays off I will be charging the Amex and Citi prestige and Synchrony and pay it back all in full as soon as the home sells hopefully within 3 months that way I earn some card benefits , rewards cash back travel points hotel points I really want to take my family out for a good vacation trip after we sell the home. Well thank you guys.. let me know if you have any suggestions or questions till next time God Bless ~
Message 1 of 13
12 REPLIES 12
Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS

Congrats!

 

- A bit hard to read without paragraph serparation thoughSmiley Sad

FICO 6.2019

TU - 797
EX - 779
EQ - 750 Smiley Sad
Message 2 of 13
Moderator

Re: 2 day!! CC APP SPREE & DATA POINTS

Congrats..  

 

Just a side note/suggest you might want to make the post into multiple paragraphs as it will make it ALOT easier for people to read.

Message 3 of 13
Established Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS

Congrats on your approvals!! Dont feel too bad about PenFed, they are very difficult to get a card with (I have yet to succeed)
Message 4 of 13
Established Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS

Kudos, I think. 

 

Couldn't read the wall.

 

 

050719:     
101319:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 5 of 13
Established Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS

Sheesh, rough crowd.





Message 6 of 13
Senior Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS

 

Congrats!

 

Message 7 of 13
Established Member

Re: 2 day!! CC APP SPREE & DATA POINTS

Congrats!!!!

Starting Score: 612
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge

Experian 696
Exquifax 681
Transunion 681

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Message 8 of 13
Valued Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS


@Annt085 wrote:
Hello People i just wanted to share my 2 day CC app spree experience with you guys after doing long hrs of researching the most I could on this forums... thank you all for the knowledge, suggestions , advice and support from u guys.. you’re the real mvp ever since I started coming in here I have succeeded successful at the best of my knowledge.. Thanks again It’s really hard to find anything like the data points anywhere else on internet but in here the grass is green and it keeps growing..

So last night I decided to accept for the Synchrony 2% cash back on everything 19.74apr.. 0% interest for 12 months was approved for 6900 SL they pulled Experian they didn’t tell me which score model they used but exp fico8 was 758 before app ok

then today I applied for penfed since I have my brother in the navy and other family members in the national guard , Marines, so they approved my membership but rejected my CC application for the power cash rewards I really liked the 1.5 cash back but oh well 😔
-- I don’t understand why they denied me Equifax fico model they used said 776 and I recon but was not successful they said because the derogatory event it was a collection from Comcast $129 from 5 years ago I had co sign for my mother in-law And I didn’t know anything about the account till it was already in collections 2 months later I found out about it and contacted Comcast and payed it immediately the sad thing about it that penfed hard pulled my Equifax 2 times when I recon so they 3x hit my Equifax but anyways it is what it is.. I called again and told them why did they re applied my CC app again they said every every time u apply for a product it’s going to be a hard pull no matter what I couldn’t believe it so anyways i was upset and

I went on and applied for Amex and Citi and was instantly approved for both and only 1 pull on Exp since I already had an Amex account ..
Citi prestige 17K SL 20.74 Apr they pulled exp 769 not sure which model score , I had 11 inquiries now 12 and cc util 1% and

Amex cash magnet card was approved for 15K SL no hard pull

thanks a lot guys for the suggestions u guys gave me that led me to go on a app spree since I’m going to be remodeling my wife’s grandmas house gonna do a nice upgrade so it can bring the value of the home up to 55K My wife is trying to make a profit so I’m hoping this pays off I will be charging the Amex and Citi prestige and Synchrony and pay it back all in full as soon as the home sells hopefully within 3 months that way I earn some card benefits ,

rewards cash back travel points hotel points I really want to take my family out for a good vacation trip after we sell the home. Well thank you guys..

let me know if you have any suggestions or questions till next time God Bless ~

 

(guessing this was all done on a phone?)

500K+ TCL / 800+ FCOs
Message 9 of 13
Senior Contributor

Re: 2 day!! CC APP SPREE & DATA POINTS

Congrats !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 10 of 13
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