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CSR, DC and Uber

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Regular Contributor

CSR, DC and Uber

Been working to maximize my credit profile before apping a few cards. For a full recap see here.

 

Here are my app results including DPs:

 

CSR - $26,800 (pulled EX and TU - received 30 day message. Called in and approved.)

Citi DC - $7,500 (first Citi account - pulled EX and EQ. Called in and used an expired mail offer for $100 SUB. It was 4 days past the 'respond by' date)

Uber - $11,600 (reallocated from Arrival+ - pulled TU)

 

I also recently got a SP CLI from BOA to $20k!

 

Didn't check my scores until after the apps... but they are now:

 

EX 737 (3 inq)

EQ 751 (4 inq)

TU 730 (4 inq)

 

Oldest Account: 11 years, 8 months

AAoA: varies between 5 years, 2 months and 6 years depending on bureau

Util 26% on EX and EQ, 33% on TU (waiting to update)

No derogs

Lower 6 figure salary

 

Chase surprised me for sure... they are now my highest limit. Closed a couple accounts as well so will see where my scores settle once everything reports.

 

All in all I couldn't be happier and have absolutely no need for anything new in the foreseeable future. I'm a little miffed with Barclays. Part of me wishes I had just closed the account as I originally intended but after reading others' success in opening a new card and transferring the CL before the Mercury conversion I figured why not. *wrong thinking* my app went under review and when I called in they declined my app Smiley LOL. Anyway, spoke with a supervisor and just had my Arrival+ CL transferred over to open the Uber account. Meh. I'll be using it specifically to pay my phone bill and streaming services. Otherwise it will be SD'd and used as a backup international travel card.

 

Hope these DPs help someone. Cheers!

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 1 of 7
6 REPLIES 6
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Valued Contributor

Re: CSR, DC and Uber

Congrats on your approvals! Awesome haul!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 2 of 7
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Regular Contributor

Re: CSR, DC and Uber

Thanks, 

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 3 of 7
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Valued Contributor

Re: CSR, DC and Uber

Very nice work, gd. Well played. Congrats!

And thank you for sharing extensive DPs. 

 

 

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 7
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Valued Contributor

Re: CSR, DC and Uber

Awesome pickups with a great SL for sure, congrats to you!


Message 5 of 7
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Regular Contributor

Re: CSR, DC and Uber

Thanks 

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 6 of 7
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Established Contributor

Re: CSR, DC and Uber

Congratulations on your approvals and great starting limits! 

Message 7 of 7
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