Hi All,
Happy to report updates on my recent spree from the last 30 days.
- Samsung Credit - Approved $4,200, Experian Pull.
- Digital federal credit union - approved visa $20k, was preapproved for $10k. Equifax Pull. Looks like DFCU treats the visa as a LOC for all purposes.
- SECU Credit Union - Conditional counter approval $5k, Equifax pull. Not thrilled, and would not approve the $20k, they define "escalating debt" as new accounts as well, not balances. Fair, I have 60 days to accept the offer.
- BECU - CLI on visa from $21k to $40k (max), Approved for $15k LOC (max). Transunion Pull
- PATELCO - Denied. Was pre-approved for $15k, no letter yet so unsure of reasons or recon yet. Experian Pull
Stats:
Total INQ 0-24: EXP 8, TU 7, EQ 6.
INQ 0-6: EXP: 5, TU 3, EQ 2
INQ >= 22: EXP 2, EQ 3, TU 1
Utilization = 1%
# of accounts with balances is 12 (student loans hurt)
#of CC's with balance: 7 (missed some statement dates, most except 2 have less than $200 balance)
Average age of open accounts is 7.2 years.
Scores in sig were still nearly the same, everything above 800 (Except mortgage scores).
I still have 1 CFA account I can't find. I suspect I know what it is and I a trying to fight it off the report, good closed account be darn.
Total Credit (now): $880,000
Salary: $100-130k.
I have had quite the spree lately. This makes 9 accounts in 12 months, which I guess is what spooked SECUMD. These are the new accounts:
- BECU Visa
- Gemini. Opened 2 months ago.
- Blockfi. OPened 3 months ago
- Aspiration (grrr arrrg). Opened almost 12 months ago.
- BEst buy Visa. Opened about 8 months ago.
- Samsung
- Xbox All-Access (was the only way to get a darn Xbox X!!!). Opened around October/Nov.
- BECU LOC
- X1 card (sadly this started to report on 2 CRA's in the middle of my spree, so that killed me). Opened about 4 months ago.
- AMEC Cash Magnet - $10k, but moved credit around and closed my old Hilton account. $32k now. Opened about 4 months ago.
I have now frozen everything, including chex as I need to really let things age. Some scores are taken a ding such as mortgage scores which I will need in the future, the new accounts dropped me down to like 750-775 mortgage. all other scores are ~800+.
The only card I left on the table was Affinity FCU. I wanted to really apply for them, but they are Experian and as you can see above, it looks like my EXP is fat enough. I struggled just to find a few EQ pullers. seems like since the EQ data breach, most (including even alliant!) has moved to EXP or TU. Not much feels left on EQ.
I will update my sig soon enough once everything settles.
Congratulations on all of your approvals! 🎉
👋 Nice spree, especially the DCU approval and the BECU CLI and LOC
Congratulations! 🍻
Sorry to hear Patelco.
Keep us updated on their reasoning when you can!
Congratulations! 🍻
Sorry to hear Patelco.
Keep us updated on their reasoning when you can!
Grats to all your approvals!
Congratulations on the new accounts & CLIs!! I appreciate the details & data points!!✍🏾✍🏾✍🏾
Congratulations!
