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Man oh man I'm excited!
On Aug. 11 I had applied for the Apple Card but was denied due to reason, "You have recently been past due." OK but my credit report "seemed clean enough." I was kind of bummed about the denial (but hey BK7, just got to be patient, right??). So yesterday I took another look at my credit report and again noticed that I had an old Patelco CU account that was showing derogatory. I figured I better try to fix that inaccurate account listing because it was IIB in Dec. 2014. Yesterday I submitted a Transunion dispute through Credit Karma where I selected two options for Accuracy: Account Closed, and This account included in bankruptcy.
Today, TU deleted the account from my credit report after investigating my dispute! My CK TU score jumped 16 points from 718 to 734 and now I thought I had a good shot at getting the Apple card. I go to the Wallet app on my iPhone, apply for the card and 30 seconds later it asks for a picture of my D.L.....ok this may be a good sign, right?? I scan the front and back of my D.L. and hit submit.........and wait........
BOOM! APPROVED FOR 7K SL @ 23.99% (APR won't matter since I PIF every month)
So Data points: TU Score 734 (Credit Karma, not sure what FICO is)
Annual Income: 80K
Inquiries past 12 months: 1
Opened Accounts within past 12 months: 1
AAoA: 2 years 3 mos
Chapter 7 BK filed Dec. 2014
Time to head back to the garden after I try for a CLI on my Uber Visa.
Congratulations on your approval but even more on fixing your report.
Ding ding ding...winner! Congrats!
Great job. That fix on the report should move everything right ahead at a quicker pace.
Congrats on the approval. I'm surprised the deletion off of your report was reflected that quickly, that's awesome!
I SOMEHOW GET THE FEELING YOU ARE EXCITED! CONGRATS!
@JourneyStartsNow wrote:Man oh man I'm excited!
On Aug. 11 I had applied for the Apple Card but was denied due to reason, "You have recently been past due." OK but my credit report "seemed clean enough." I was kind of bummed about the denial (but hey BK7, just got to be patient, right??). So yesterday I took another look at my credit report and again noticed that I had an old Patelco CU account that was showing derogatory. I figured I better try to fix that inaccurate account listing because it was IIB in Dec. 2014. Yesterday I submitted a Transunion dispute through Credit Karma where I selected two options for Accuracy: Account Closed, and This account included in bankruptcy.
Today, TU deleted the account from my credit report after investigating my dispute! My CK TU score jumped 16 points from 718 to 734 and now I thought I had a good shot at getting the Apple card. I go to the Wallet app on my iPhone, apply for the card and 30 seconds later it asks for a picture of my D.L.....ok this may be a good sign, right?? I scan the front and back of my D.L. and hit submit.........and wait........
BOOM! APPROVED FOR 7K SL @ 23.99% (APR won't matter since I PIF every month)
So Data points: TU Score 734 (Credit Karma, not sure what FICO is)
Annual Income: 80K
Inquiries past 12 months: 1
Opened Accounts within past 12 months: 1
AAoA: 2 years 3 mos
Chapter 7 BK filed Dec. 2014
Time to head back to the garden after I try for a CLI on my Uber Visa.
Awesome!! Now this is what you call “taking care of business.” Kudos to you and congratulations on your Apple approval and nice SL.
Congrats for both the new account and the cleaner file