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Hello MF'ers (myFICO'ers)
I helped a Friend Yesterday, scared and wasTold; "Do Not to Apply For Credit as it would Hurt Him"
His Current Lineup of Cards:
Home Depot $1k
Target $500
Merrick, Credit One, And FirstPremier., They had limits between $300-$500.
and I think He had one Cap1 in the sock drawer.
He was prequalified at Discover site, hit the button it spun and "Your Approved $10K"
then i told him, what else do you spend alot doing, he said Costco, so I said Go to Citi's site and just Cold app,
I knew he'd get it, his CK FAKO scores were High, and Zero inq's in 24 0/24
He Cold Apped Costco/Citi Reward Visa "Approved $8k"
He was overwhelmed!!!
DP's (from what i could Get from his CK APP)
Inqs 0/24
FAKO's EQ & TU 740-750 (ish)
AAoyA over 2 years
AAoA around 4-5 Years
AoOA 20+ Comenity Lane Bryant Card From Former Marriage in His Name (Showing Open no use in 15 years or so)
Income $126K
a few 30 day lates 2-3 years ago.
Nice job! Great SL and awesome approvals. You're a good friend
Very Smart of you, 007. Congrats!
I second the nice job and being a good friend, congrats to him! Now continue helping and advise him to start making plans to get rid of those sub-prime cards like Credit One, etc... and help him not to be late anymore and he'll be just fine!!! Congratulations again!!!
Congrats on your friends approval!!
Great friend? Or.... DOUBLE AGENT!?
Seriously tho, great counsel!
@M_Smart007 wrote:Hello MF'ers (myFICO'ers)
I helped a Friend Yesterday, scared and wasTold; "Do Not to Apply For Credit as it would Hurt Him"
His Current Lineup of Cards:
Home Depot $1k
Target $500
Merrick, Credit One, And FirstPremier., They had limits between $300-$500.
and I think He had one Cap1 in the sock drawer.
He was prequalified at Discover site, hit the button it spun and "Your Approved $10K"
then i told him, what else do you spend alot doing, he said Costco, so I said Go to Citi's site and just Cold app,
I knew he'd get it, his CK FAKO scores were High, and Zero inq's in 24 0/24
He Cold Apped Costco/Citi Reward Visa "Approved $8k"
He was overwhelmed!!!
DP's (from what i could Get from his CK APP)
Inqs 0/24
FAKO's EQ & TU 740-750 (ish)
AAoyA over 2 years
AAoA around 4-5 Years
AoOA 20+ Comenity Lane Bryant Card From Former Marriage in His Name (Showing Open no use in 15 years or so)
Income $126K
a few 30 day lates 2-3 years ago.
Oh it hurt him all right, hurt him real good. In fact it killed him with happiness no doubt.