Let me be the 1st to say how crazy it has been these past 6 months. So after alot of not being able to do anything for 3 months due to my credit being stolen by a family member and me going crazy getting things together proving myself to credit card companies, or at least getting them the information they needed so that they can delete the fraudlent cards off my credit report and clear my name, Im free to start buildng my report.
As of now I have a Discover Card w/ a 1500.00 limit , EXP(712) TU(720) and EQ(719). Inq's 2 across the board, AAoA 6 years 4 months, No Deq, No Lates, No Collections. 1 paid off Car loan from 2012 and 1 close in good standing CC from 2013.
While I was going threw all of the fraud, all of my good cards got closed i the process. I have the letters proving the fraud happen, so this is where my time with BECU comes in and the awesomness that took place. I went to BECU just 2 weeks ago wanting to open some account and expaind me credit protfolio. I sat witht a amazing banker and we talked about EVERYTHING that hapen to me and me wanting to build my report back to where it was before everyting happen. I also let her know I have letters stating to fraud and what I had before as far as limits an what kind of cards. She explained besides the checking and saving I opened that when credit is pulled with them (BECU/ Boeing Education Credit Union), they hold those pulls for 30 days and can use it again for that length of time. I must add that BECU is the 4th largerest CU Bank in the USA. They pull from transunion as well. She went over the Visa Signature Cash back and the Personal Loan as well. I was so nevous and we both agree along with her amazing notes she took explaining how Im not new to credit and what had happen with my credit. As well, pasting the letter explaining the fraud, then my nervousness dampered some and I was confident that they would give me a good starting line with the CC and we asked for 5000.00 for the PL. We did say i'd be ok if the UW wanted to conteroffer 3000.00.
It was 630pm by this time as I went to the bank after I got off work and had to wait till the next day for a answer as they respond fairly fast I was told. So the next day came and I literally check the app status on the online banking page a million times I tell you as on the forum I have heard of peole applying for credit, not getting a fast approval then going to the app stauts page and seeing it approved. So by the time 11am came as I was at work I figured I'd let my banker just email me. Then boom at 12:30pm, it happen, she emailed me and I was floored. My nick name is "Skeeter " as you all see on here but real name is " Ruthford". Here is what she sent by email:
(Ruthford!!
Great news! I finally got our application back and we were approved for both the credit card and the personal loan! We were approved for a BECU Cashback Rewards Visa with a limit of $10,500 at an interest rate of 10.99%, and our personal loan was approved for the full $5,000 at a term of 48 months with an interest rate of 9.24%.
Our next step moving forward, I can go ahead and process the credit card application with no further paperwork for you. It should take about 2 weeks for the card to be mailed out to your address, or we can also have the card mailed to our branch instead and we will call you to pick that card up once we receive it (since I know you are moving).)
I can tell you I almost wanted to cry guys. I worked so hard to clear my nam these past 6 months with having fraud committed against me. I haven't got a good night sleep in almost 4 to 5 month because of all this. After I contacted her, the banker, she asked if I wanted to go ahead and see if I can get a PLOC for protection on my accounts. I said yes and boom approved again but it was only for 1k which is ok considering I have a decent line with the CC. I wont dare overdraft on my personal accounts any how, but it is good to know there is no Internation, Cash Adv fee. But agian I dont EVER plan to do that.
Thanks everyone for the time spent giving advice and sharing you experience and knowledge. BIG BIG BIG thanks to @Anonymous for your knowledge as well. My next app will be Amex Platnium hoping to get that 100k bonus, Alaska Visa Sig, and Citi Prestige. I will def garden for a little before I app for Amex. Plan to pay off that PL buy April as well. Just wandering what my report and score will look like now when the 10.5k CC, 5k PL and 1k PLOC reports to my file????? File below jsut as a remider. Thanks agian everone and thoughs and comments are very much appreciated.
Discover Card w/ a 1500.00 limit ,
EXP(712) TU(720) and EQ(719)
Inq's 2 across the board with Trans having 3 now that I app for credit with BECU
AAoA 6 years 4 months
No Deq, No Lates, No Collections
1 paid off Car loan form 2012 and 1 close in good standing CC from 2013.
