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BBVA and some data points! Approval.

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BBVA and some data points! Approval.

Hey Everyone!
 
I'd like to give everyone thanks in helping each other out on here! And thanks for helping me out!
I Don't know if this will help anyone out however, I'll post some data points as quick as possible. lol. Started in 10/30/19 with 650 credit. Did some dumb stuff with cards when I was 19 now 11 years later I decided to look at my credit. Today, now at about 670 EX with 5 credit cards and a Wayfair card totaling about $18,200 . A 36k car loan. Anyway, I'd like to share my experience with BBVA! As of today I’m ‘in the garden’ as they say until AMEX wants to throw me a bone!

I live WAY out of their footprint in Rochester, New York. Received a mailer a few weeks ago and put it to the side. Last Sunday night (1/12/2020). I saw the mailer again and went ahead. They asked for my ID and two days later they asked for a utility bill. two days later still nothing. Called today (1/17/2020). The guy stated everything was there and that he would call them and asked what was the hold up and then call me back. About 15 mins later-he called back, saying I'll know by today tomorrow or Monday. Before we even hung up they had sent me an email saying congratulations! No approval amount, as I’ve read that’s pretty common. So for those of you who don’t want to call, if they sent you a link where you were to upload documents just go back to that link (after you’re approved), enter your ssn, name and whatever else and it will long you in and asked you to set up the account. After that it will show you your CL. Mine was $8,400! Highest SL yet. Now only if I could get Discover up to that amount.

I know they pulled EX I don’t know what they got but according to my EX app I was at 670 with 7 inquiries 4 new accounts and a car loan since October ‘19.

So basically you may want to call them after a few days of not hearing from them. I feel like that’s the biggest complaint during the initial application.

Did I forget anything?

Thanks everyone!
Message 1 of 12
11 REPLIES 11
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Super Contributor

Re: BBVA and some data points! Approval.

Congratulations on your approval!
Message 2 of 12
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Community Leader
Super Contributor

Re: BBVA and some data points! Approval.

They use FICO EX9 and Vantage for approvals.

Congratulations!
Message 3 of 12
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Valued Contributor

Re: BBVA and some data points! Approval.


@Canum164 wrote:
... I live WAY out of their footprint in Rochester, New York ... 

Good job. Congrats! on a very nice approval.

The best pizza I've ever eaten was at Proietti's, when they were just a pizzareia. Smiley LOL Good times.

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (03/3/2020): FICO 08 EXP: 749; TU: 758; EQ: 761
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 12
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Frequent Contributor

Re: BBVA and some data points! Approval.

Congrats!
Message 5 of 12
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Valued Contributor

Re: BBVA and some data points! Approval.

Congratulations on your approval & very nice SL!   

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 6 of 12
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Super Contributor

Re: BBVA and some data points! Approval.

Congratulations!

Message 7 of 12
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Senior Contributor

Re: BBVA and some data points! Approval.

Congrats on your BBVA approval!





Message 8 of 12
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Valued Contributor

Re: BBVA and some data points! Approval.

Congratulations!!
March 2020
Experian Fico 8. 686
Transunion Fico 8. 697
Equifax Fico 8. 714

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 9 of 12
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Super Contributor

Re: BBVA and some data points! Approval.

Congrats !



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>03/2020 CCT EX 832 TU 848 EQ 842

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 10 of 12
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