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Dell Financial Services/Webbank approval w/ DPs

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M_Smart007
Legendary Contributor

Re: Dell Financial Services/Webbank approval w/ DPs

@calyx, Congratulations on your Approval..screamer emoticon.gif

(and your new dell laptop)

Message 11 of 22
gdale6
Moderator Emeritus

Re: Dell Financial Services/Webbank approval w/ DPs

Nice, grats on the 5K line Smiley Happy

Message 12 of 22
Meanmchine
Super Contributor

Re: Dell Financial Services/Webbank approval w/ DPs

Congrats Cally !

 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 13 of 22
CH-7-Mission-Accomplished
Valued Contributor

Re: Dell Financial Services/Webbank approval w/ DPs


@calyx wrote:

Thought I'd throw this approval in here for the DPs:

Approved online for DFS/Webbank on 9/16.
$5000 SL, 20.49% (but 0% for 12 months with my purchase)
EX pulled: F8 is 794,   INQs (were) 3/8;   1 new account in 6 months, 3/12, 8/24 (not that I expected a financing group to care about new accounts or INQs).   FTE with adequate income.  I also prequaled for $5k, so the prequal was accurate.


I needed a new laptop and I was reasonably happy with my current Dell for the price and they've got a current 17% off special.

I did the financing instead of just paying straight out for the 6% "cashback" to use at Dell for future peripherals.


Congrats.    When I got a Dell computer loan through WebBank about 7 years ago, I suddenly started getting a new FICO explanation that lowered my scores.   They treated this card as a consumer finance account.     I'm just curious if you see this in the future.   Please let me know.    

Message 14 of 22
coldfusion
Community Leader
Mega Contributor

Re: Dell Financial Services/Webbank approval w/ DPs

Congrats! 

 

Now treat yourself to a new monitor for Xmas!  😁

(2/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 15 of 22
calyx
Super Contributor

Re: Dell Financial Services/Webbank approval w/ DPs


@CH-7-Mission-Accomplished wrote:

@calyx wrote:

Thought I'd throw this approval in here for the DPs:

Approved online for DFS/Webbank on 9/16.
$5000 SL, 20.49% (but 0% for 12 months with my purchase)
EX pulled: F8 is 794,   INQs (were) 3/8;   1 new account in 6 months, 3/12, 8/24 (not that I expected a financing group to care about new accounts or INQs).   FTE with adequate income.  I also prequaled for $5k, so the prequal was accurate.


I needed a new laptop and I was reasonably happy with my current Dell for the price and they've got a current 17% off special.

I did the financing instead of just paying straight out for the 6% "cashback" to use at Dell for future peripherals.


Congrats.    When I got a Dell computer loan through WebBank about 7 years ago, I suddenly started getting a new FICO explanation that lowered my scores.   They treated this card as a consumer finance account.     I'm just curious if you see this in the future.   Please let me know.    


@CH-7-Mission-Accomplished - I was wondering about the CFA thing, too, but since it seems to be a "lower ranked" neg. reason code, I assume at worst that it will be small ding.    My partner has also used DFS and does *not* have a CFA listed (and he is missing the only neg. codes I have, which currently surround my young-ish file and # of INQs on EX).     DFS says it's a "revolving line of credit", and CFAs seem to usually be installments.   

Anyway, tldr;  WILL REPORT BACK when it shows up on my reports (Sometime in Oct, if I understood the email correctly) Smiley Happy

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 16 of 22
calyx
Super Contributor

Re: Dell Financial Services/Webbank approval w/ DPs


@coldfusion wrote:

Congrats! 

 

Now treat yourself to a new monitor for Xmas!  😁


@coldfusion Running gag with mr. c is that I have a three monitor set up for my laptop and I'm not a "serious" PC gamer, while Mr. c, who does almost all of his gaming on his PC (I prefer console gaming), has a really old, very crappy monitor.   I suppose if loved him enough, I'd spend my Dellbux on him Smiley Tongue 

(But yes, I'm thinking of that spiffy curved monitor).

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 17 of 22
coldfusion
Community Leader
Mega Contributor

Re: Dell Financial Services/Webbank approval w/ DPs


@calyx wrote:

@coldfusion wrote:

Congrats! 

 

Now treat yourself to a new monitor for Xmas!  😁


@coldfusion Running gag with mr. c is that I have a three monitor set up for my laptop and I'm not a "serious" PC gamer, while Mr. c, who does almost all of his gaming on his PC (I prefer console gaming), has a really old, very crappy monitor.   I suppose if loved him enough, I'd spend my Dellbux on him Smiley Tongue 

(But yes, I'm thinking of that spiffy curved monitor).


As a DP I replaced my 2 x 22" monitors with a single 38" curved monitor early last year running @ 3840x1600 resolution - I wouldn't willingly go back. 

 

(2/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 18 of 22
calyx
Super Contributor

Re: Dell Financial Services/Webbank approval w/ DPs


@coldfusion wrote:

@calyx wrote:

@coldfusion wrote:

Congrats! 

 

Now treat yourself to a new monitor for Xmas!  😁


@coldfusion Running gag with mr. c is that I have a three monitor set up for my laptop and I'm not a "serious" PC gamer, while Mr. c, who does almost all of his gaming on his PC (I prefer console gaming), has a really old, very crappy monitor.   I suppose if loved him enough, I'd spend my Dellbux on him Smiley Tongue 

(But yes, I'm thinking of that spiffy curved monitor).


As a DP I replaced my 2 x 22" monitors with a single 38" curved monitor early last year running @ 3840x1600 resolution - I wouldn't willingly go back. 

 


I suppose I COOOOULD give him my two old monitors Smiley Wink   Because that's love.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 19 of 22
Anonymous
Not applicable

Re: Dell Financial Services/Webbank approval w/ DPs

Did it show up as a revolving line of credit and help overall credit utilization or did it show up as a CFA?

 

Thanks!!

Message 20 of 22
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