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Ducks up! FNBO

Birdman7
Super Contributor

Ducks up! FNBO

Quackers for 3K, thank you! In the door with FNBO tho!

Recon available? How long for CLIs?
-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 1 of 24
23 REPLIES 23
calyx
Super Contributor

Re: Ducks up! FNBO

Congrats on the Duck Card Smiley Happy

RIP:

F8 EQ: 809 | EX: 802 | TU: 805 | Accounts: 0/6 3/12 5/24
Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 2 of 24
credit_endurance
Valued Contributor

Re: Ducks up! FNBO

Congrats on getting those ducks to a”quack” 😉
Recon not likely with FNBO but Cli’s can be had every 4-5 months faithfully.
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 3 of 24
Hasselfree
Valued Contributor

Re: Ducks up! FNBO

Congrats on the approval!




"Your ego is writing checks your body can't cash".
Message 4 of 24
gdale6
Moderator

Re: Ducks up! FNBO

 

@Birdman7 wrote:
Quackers for 3K, thank you! In the door with FNBO tho!

Recon available? How long for CLIs?

Recon of the SL is not an option at FNBO. Treat it well and you can call in every 3 months and ask if there is a SP CLI waiting in the wings for you. Grats on getting in the door Smiley Happy

Message 5 of 24
GApeachy
Super Contributor

Re: Ducks up! FNBO


@Birdman7 wrote:
Quackers for 3K

Yay you!!!!!!  I want this card (well for DH one day) and it's sharp looking too! Smiley Wink

"My Take Home Pay Don't Take Me Home"
Message 6 of 24
M_Smart007
Epic Contributor

Re: Ducks up! FNBO

Congrats!

Message 7 of 24
Birdman7
Super Contributor

Re: Ducks up! FNBO

Thank you everyone!!

What kinda percentage CLIs are to be expected or are they all over the map?
-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 8 of 24
CreditCuriosity
Moderator

Re: Ducks up! FNBO

Congrats on the card I got it a few months back.   As mentioned SP CLI's should be available every 4ish months by a call asking if offers are available by SP.

Message 9 of 24
AverageJoesCredit
Mega Contributor

Re: Ducks up! FNBO

Quack!Quack!🦆🦆🦆 Smiley Happy
Message 10 of 24
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