I recently paid off some balances and Fair Isaac showed me some love, sending my TU and EX up to 750+ and EQ up to 737. I took the opportunity to app for some cards I'd been wanting and to request some CLIs. I'm happy with the results.
Most inquiries within the past 12 months. Very few in the past 6 months.
EX 752 60+ inquiries
EQ 737 70+ inquiries
TU 757 30+ inquiries
3% revolving utilization
Penfed Cash Rewards: $8,500
Penfed PLOC: Denied
Barclays Apple Rewards: $1,500 -> $10,000 (Just under one year old; used and PIF first month only)
MECU Platinum: $5,000 -> $10,000
NFCU: Denied membership for old unpaid chargeoff from when I initially joined as a teenager. Offered to pay the collection company, but the representative could not guarantee that would allow me back in.
Chase Freedom: Denied CLI with double-pull to EQ and EX. Thinking about combining my Marriott card into the Freedom.
TJ Maxx: Closed $3,500
I'm pretty excited about these results. I have been a member with Penfed since I was a teenager but have not been able to get any credit products. Thanks everyone for your contributions to this community! I wouldn't be seeing this kind of success without you.
Major Congrats!!! I me some USAA too!!!