@Anonymous wrote:First I want to thank everyone in this wonderful group. People here are super smart and and every experienced and I've benefited from this knowledge for a couple years now. In an effort to give back in a small way, I'm posting all my data points from my latest app spree in hopes it adds to the pile and helps someone.
App Spree on 12/14/17
Here were my credit profile data points on that day:
TU Data
FICO 8: 780
Total inquires: 5
Inquiries less than 12 mos: 4
Inquires less than 6 mos: 0
New Accounts less than 12 mos: 5
New Accounts less than 6 mos: 0
Util: 8%
AAoA: 6.9 years
EX Data
FICO 8: 766
Total inquires: 5
Inquiries less than 12 mos: 5
Inquires less than 6 mos: 1 (property rental company)
Inquiries less than 3 mos: 0
New Accounts less than 12 mos: 6
New Accounts less than 6 mos: 0
Util: 10%
AAoA: 6.6 years
EQ was not used in any apping
APPLICATIONS (in order)
US BANK CASH PLUS - Apped on prequal site.7-10 day notice. Pulled TU. Called in immediately and asked if they needed anything and they said no. 5 days later I called the status line and got APPROVED. Called for terms. $3,500 at 17.24%. Promotion of 0% for 13 mos. I am very disappointed in the outcome of this app. Trying to decide whether to call in for recon or to accept it and spend/PIF the hell out of it and see if they then give large CLI after a few months.
UBER (Barclay) - Already had Arrival + for over 10 mos. Apped on Barclay site. Immediate approval. Pulled TU. $10,000 at 15.99%.
CLI for BARCLAY ARRIVAL + - Tried to increase my CL from $10k to $19k. Had the card for 10 mos. Pressed the love button 5 minutes after Uber approval. 2 day notice. No HP so they either used the UBER pull or they did a SP. They called me later that day and told me I had reached my maximum exposure with Barclay ($20K). So... DENIED.
BANK OF AMERICAN AMERICARD - Have existing cards with BOA with nice limits. They like me. Apped after prequal while logged in. Immediate approval. $8,000 at 16.99%. EX pull. I am disappointed with the rate since I chose this card specifically to get a low interest card.
CLI for BANK OF AMERICA ALASKA VISA SIG - Tried to increase my CL from $10k to $25k. Yes that is ridiculous but I have seen enough amazing BOA CLI stories to give it a try myself. Hit the love button on this 5 minutes after Americard approval. 7-10 day notice. After 5 days I saw my CL had increased to $17,000. So Approved for $7k increase. No HP so they must have used the Americard pull or they did SP.
BBVA COMPASS BANK CLEAR POINTS - Applied over the phone. Many difficult security questions and trick questions. You better be on your game lol. EX pull. Received call back end of day. Approved $7,500 at 16.24%. Promotion 0% for 13 mos.
All of the above cost me 4 HPs and 4 New Account hits. 2 HPs on my TU and 2 HPs on my EX. EQ not used and looking very prime accept for the new accounts about to hit. I will be in the garden for the foreseeable future.
I still may deal with that crappy result US Bank Cash Plus toy sock drawer card. Any suggestions are appreciated on that or anything above or anything at all.
U don't have to deal with that US Bank Result call the UW tomorrow and Recon the limit they will use same HP. Congrats.
Nice recon, congratulations!
