@Anonymous wrote:I am going to ask a few of the approving creditors what the scores were because I am really not too sure now. My Equifax that I receive from the equifax website now has me at 667 down from 673 two days ago so that seems to be the inquiry impact.....Is the Experian score you would get from teh Experian website pretty accurate?
In my case, no.
I get a free Experian Fico from my US Bank card. They provide a link that transfers me to Experian, and they provide their version of a monthly fico score. Only in my case the score has stayed the same for 8 months now, even after sending them an email to report the issue.
Needless to say, I'm not impressed with Experian. They also claim i've already requested my once a year Experian credit report, which is also in error.
@Anonymous wrote:Fairwinds CU said Yes with $5K limit. Took a day and I applied over the phone. AMEX True Earnings Costco card. Funny. I was originally declined and did the recon thing asking them to pull all CB's. I called yesterday to F/U and was told they stuck with original decision but then this morning I checked the online status(applied for BCE also beause I thought the credit criterias may be different for some reason) Well it said APPROVED for AMEX True Earnings an BCE says still in process or in progress. I have no idea what the approved limit was but super excited to now be apart of AMEX. I will take care of all of my new cards and hope next year I can report that I am in the 700 club. No word on my own banks credit card but I am not too bummed. I got an AMEX! woo-hooo
Also remember I said I got app happy and applied for Chase slate also after getting approved for Freedome and SApphire. Well when I got my reject letter it said my Experian was 691. Explanation was too many request for new credit with them. Completely understand that with no complaints but that score. I was pretty darn close to 700 club and had no idea.
I am "reconning" BBT. Could not find much info concerning them but located to my surprise the EO number on their website 1-888-628-3926. Was denied and discussed with branch as someone recommended in the forum, underwriter came back with it coming down to a medical collection on my account. No Sir. I had one that popped up from no where when I applied for my mortgage last year but I paid it asap. $100 apparently for my kids ER visit overlooked from 2008. SO thats where I am at with my own bank. Same routine as other EO's. They take your info and get back to you 2-3 days.
Another update that I have is Citi. These are the last two cards I really wanted(my banks credit card and Citi). I applied for Citi Dividends a few days ago 12/15/13(plan was to wait a year but wanted to get it out the way). Denied due to old mortgage reporting a balance owed when the bank cancelled the debt. It should show $0. I reconned CSR same day, then EO next day. Both told me to get report updated and provide it to them. I worked my butt off to get Experian and HSBC to correct, we actually had a three way to fix this 12/18. Experian updated after the conf call same day within the hour. I shot that over to EO and waited 12/18. Called this morning and spoke with EO(same person) and after all that she said the denial decision was upheld. I thanked her, then called back CSR line and explained that I was still waiting for a decision
I insisted I speak with a superviser and explained that I was given a specific reason for denial, I corrected my CB report as advised and I am awaiting the outcome and know that she could provide it one way or another. I was put on hold while she reviewed. She came back and said she could overturn the denial based on what I submitted but would need to do another pull of my report in order to get a decision. I agreed. A few more minutes she came back and congratulated me on my approval. CL $2500. Citi is tough! but I am glad that worked out and I did not want to waste the pull I got myself into in the first place. Now if BB&T would cooperate I can truly Garden in peace.
My motivation to keep pursuing Citi and Bb&T is the HP's and the desire to take the hit on score and inquiries around the same time, then they would age and fall off around the same time if that makes any sense. I would not have a need for anymore credit cards as I would have at least one card from each of the major primes just about. Then just let them grow that will be exciting to see, that and the positive affect on my CS. Excited!
Thanks Lexie!!! I was able to do it I think
@09Lexie wrote:
@Anonymous
Instructions on how to quote
http://ficoforums.myfico.com/t5/Community-Feature-FAQ-s/How-to-Quote-a-Post/td-p/2603189
Great run, yep now its time to garden and let them grow, Congrats
