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Epic sigh, today will haunt me

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Frequent Contributor

Re: Epic sigh, today will haunt me


@arad2586 wrote:

well, not a bad experience, just unplanned, kind of apped just on a whim (and a few beers) after ive been telling myself not to lol. Before i apped my TU was716, EQ692, EX 703. will wait to see what happens to my scores soon, TU went from 2 inquiries (that are about to go off in a cpl months) to 4, so not too bad, EQ took a big hit on inquiries, especially since asking for a CLI Citi did a HP. AOAA isnt very long, started my credit journey about 2 years ago and only had 1 card for a long time before getting a few more. At least all these cards can age and grow together. i got approved for Freedom Unlimited $2000, AmEx Delta Sky $1000, Barclay Apple Rewards $1000, and HSBC Gold (why? idk lol) not sure athe amount yet, they reviewed the application for a cpl days and i just received my approval email! and btw thank you on the congrats!!


Thanks for the update. So you were approved for 4 cards? How many apps did you do?

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 11 of 27
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Valued Member

Re: Epic sigh, today will haunt me

exaclty, no AF! i dont want to have to pay for a card (at least not anytime soon).

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 12 of 27
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Valued Member

Re: Epic sigh, today will haunt me

Smiley LOL i got approved for the 3 i wanted and was suppose to stop there, just got carried away with the lets now see what i can get approved for after that, and not everyone sent me and email and i didnt write down to keep track of them. i was after the Chase FU, AmEx Blue Delta Sky, and the Barclays Apple Rewards

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 13 of 27
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Frequent Contributor

Re: Epic sigh, today will haunt me


@arad2586 wrote:

Smiley LOL i got approved for the 3 i wanted and was suppose to stop there, just got carried away with the lets now see what i can get approved for after that, and not everyone sent me and email and i didnt write down to keep track of them. i was after the Chase FU, AmEx Blue Delta Sky, and the Barclays Apple Rewards


Ok. So, what’s your inquiry count on each bureau now?

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 14 of 27
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Valued Member

Re: Epic sigh, today will haunt me

i did 7 all together, so not bad but i just got carried away a bit

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 15 of 27
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Frequent Contributor

Re: Epic sigh, today will haunt me

Don’t be hard on yourself. You’re on the low end of what some of us have done. I got double the inquiries you had my last time out. Smiley Very Happy

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 16 of 27
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Valued Member

Re: Epic sigh, today will haunt me

TU 4, EX 10, EQ 8, which isnt that bad, there will be 3 coming off this year

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 17 of 27
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Frequent Contributor

Re: Epic sigh, today will haunt me


@arad2586 wrote:

TU 4, EX 10, EQ 8, which isnt that bad, there will be 3 coming off this year


That’s all?!?!? 😁

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 18 of 27
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Valued Member

Re: Epic sigh, today will haunt me

i know i know!! i freaked myself out for not that much, was being paranoid. i had in my head i just killed my scores haha. ive been trying to be very good, it was a lot to me lol

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 19 of 27
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Frequent Contributor

Re: Epic sigh, today will haunt me


@arad2586 wrote:

i know i know!! i freaked myself out for not that much, was being paranoid. i had in my head i just killed my scores haha. ive been trying to be very good, it was a lot to me lol


I think you can relax now and enjoy your approvals. You earned them. 😉

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 20 of 27
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