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BB&T Trifecta

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SFLSpotter9210
Valued Contributor

BB&T Trifecta

I just couldn’t contain myself. I went online to the BB&T prequel site and sure enough I was approved for all 3 again. Decided to go for the Travel Rewards Card. Approved for the standard CL as the rest @ 4,500 and 21.24%. Not that I plan on carrying a balance on that card. Some data points here 695 EQ 670 TU and 650 EX. My TU and EX just dropped 30 points due to a medical collection being put back on. I’m thinking of just paying it since it’s only 750 and they offered settlement of 400. I tried to get them to accept 250 but, they laughed.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay7k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=837 | EX=823 | TU=826scores and CL current as of 011/14/25 AAoA years 24 months | AoOA=18yrs
Message 1 of 20
19 REPLIES 19
M_Smart007
Legendary Contributor

Re: BB&T Trifecta

 

 

Congratulations!

 

 

Message 2 of 20
Anonymous
Not applicable

Re: BB&T Trifecta

Congrats on the approval!!
Message 3 of 20
CreditCuriosity
Moderator Emeritus

Re: BB&T Trifecta

Congrats on the approval..

 

Regarding the medical settlement that is a fairly small amount of money in the grand scheme of things if you owe it then pay it off and ask for a PFD, although for a PFD most likely they will want the full amount,.  I suppose if it is worth it to you to have a clean report or a tainted report for years to come?  As medical collections are very easy to get a PFD for due to HIPPA if you are willig to cough up the money

Message 4 of 20
SFLSpotter9210
Valued Contributor

Re: BB&T Trifecta

I never received a bill from the Dr. then all of a sudden 4 years later it pops up on my CR. Well those 2 TU & EX reports will go up 30 points that’s pretty huge. So I’ll just pay it and have them take it off. I had another collection showing 0 balance from AT&T of which I didn’t owe. I called that agency and they took it off and my Fico score went up 10 points. So I guess it’s worth it in my mind. Thanks for the advise.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay7k | Citi Strata+ 13,600 | Citi Double Cash 23,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 16,600 | GS Apple 7,500 | Chase Sapphire Preferred 24,000 | Fico 8 Scores EQ=837 | EX=823 | TU=826scores and CL current as of 011/14/25 AAoA years 24 months | AoOA=18yrs
Message 5 of 20
Meanmchine
Super Contributor

Re: BB&T Trifecta

Congrats !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 6 of 20
xiocc
Regular Contributor

Re: BB&T Trifecta

Congrats on the approval!







Message 7 of 20
Anonymous
Not applicable

Re: BB&T Trifecta

Congrats on the approval.  I would suggest you definetely pay the collections, and maybe ask them to possible delete it from your report if you pay it, the worse they can do is laugh.  But if they're offering you a lesser settlement amount and you have these open lines of credit, I would do it and be done.

Message 8 of 20
AverageJoesCredit
Legendary Contributor

Re: BB&T Trifecta

Awesome jobSmiley Happy
Message 9 of 20
Anonymous
Not applicable

Re: BB&T Trifecta

Congrats on the approval!

Message 10 of 20
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