So I went on a little app spree last month once my scores all got over 700 (TU = 710 / EQ = 720 / EX = 790).They were mid 500's back in January, but since opening up 2 secured cards (Wells Fargo 2k / US Bank 1k) and getting almost all my remaining derogs removed, I've had "some" success. While I was declined by DISC, BOA, CITI, and USAA, I've had success with Cap One, Chase, Amex, Wells Fargo, and SDFCU. I have tried repeatedly on every prequal site I can find, but never have any offers from any lenders. I had absolutely no idea of apping with Cap One (as one of my two derogs left is an open Cap One 2K judgment from 2010) however, thanks to this forum, I was told to "spin the wheel" with them as they don't "blacklist". So I started with Cap One and was instantly approved for QS 5K CL. I than went to Amex and got PRG, Delta PLAT 1400.CL, and BCP 1K. I opened an account with SDFCU as I wanted "in" with a Credit Union, and got 1K. Because I bank with Wells Fargo, I opened a 3K secured personal loan with them a month ago to have an installment loan on my CR's. I was also hoping they might graduate my 2K secured VISA, but it was too early, being only 5 month's old. So I decided to app instead, and got approved for a WF Propel Amex 2500.CL. Finally I appd for Chase Slate and got my highest CL at 5500. I was happy with my "wins and losses" and planned to garden for 1 - 2 year's and try and raise my CL's instead of adding any more INQ's (EX = 10 / EQ = 5 / TU = 4). So yesterday my first statement closes and reports to all 3 CA's, my Cap One QS, and I decide to check their prequal site. Comes up with Venture, Venture 1, QS, QS 1, and Plat. The only card I really wanted to get to finish up my spree was the Venture, so I put in my final app = instant approval 20K CL !!!!
I couldn't believe it. I was thinking if I get approved, I'd be happy with another 5K, but was hoping to get anywhere up to 10K so I have a card with a high CL. This in turn would help me raise the others who started me with low CL's. Getting twice what I was hoping for, 20K, just blew me away. Gotta luv Cap One. They really are a "different" kind of lender. 😀😁😀😁😀
Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
