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Home Depot Approval

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New Contributor

Home Depot Approval

Exciting because I burned Citi in 1998 with my first ever credit card as a freshman in college.  I was clueless.  I tried HD and Citi in 2014 right after my mortage with a 720ish credit score and got denied for past relationships.  So while I've heard of experiences all over the board, they were still mad at me 16 years later, but decided to let me back sometime between year 17 and 22.

 

Credit Line - $1000

TU Fako - 680

TU Inquiries - 4

No collections

2 Settled Chargeoffs from early 2015

1 Late in Past year, 4 Lates in Past 2 Years (almost gone)

1 Auto and 3 New Revolving Accounts in last 6 mo

 

I called to recon the starting line, but it didn't work out.  I'm grateful to get the relationship started and consider myself lucky to be approved with a late payment only 6 months removed.  

 

Hopefully this puts me on a good path with Citi.  Hope to start seeing some pre-approvals next year.

 

 

 

 

DCU - $7500 | Overstock - $7200 | CareCredit - $6600 | Discover it Miles - $5500 | Amex Hilton Aspire - $5100 | Discover it Cash Back - $4200 | Barclay Apple Rewards - $2000 | Citi Aadvantage Plat - $1500 | Cap One QS1 - $1500 | Amex Delta Gold - $1000 | Amex BCP - $1000 | Home Depot - $1000 | Cap One QS1 - $850 | Lowes - $500 | Bealls - $350 | Kohls - $300
Message 1 of 11
10 REPLIES 10
Regular Contributor

Re: Home Depot Approval

Congrats. I sure hope that will be your last late payment. Such a good thing they approved you under circumstances. What CB did they pull?


Message 2 of 11
Senior Contributor

Re: Home Depot Approval

Congrats on approval !!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 11
New Contributor

Re: Home Depot Approval

The pulled Experian.  I'm around 660, but don't have an official number.  And...yes...There will never be another late payment unless I experience some sort of tremendous hardship.  I allowed some years to pass where I put my head in the sand and the DW handled all of my finances.  I went to finance a car in February and it was a wake up call.  But that story is for another subforum.

DCU - $7500 | Overstock - $7200 | CareCredit - $6600 | Discover it Miles - $5500 | Amex Hilton Aspire - $5100 | Discover it Cash Back - $4200 | Barclay Apple Rewards - $2000 | Citi Aadvantage Plat - $1500 | Cap One QS1 - $1500 | Amex Delta Gold - $1000 | Amex BCP - $1000 | Home Depot - $1000 | Cap One QS1 - $850 | Lowes - $500 | Bealls - $350 | Kohls - $300
Message 4 of 11
Regular Contributor

Re: Home Depot Approval

Thanks for that update! I can just feel in your answer the motivation that will be hard to break. Keep it going Smiley Happy


Message 5 of 11
Valued Contributor

Re: Home Depot Approval

Congrats on the approval!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 6 of 11
Frequent Contributor

Re: Home Depot Approval

Good approval, congrats.
$1,000 is a lot to owe, yet little to have.
Credit Cards

Debit Cards




Message 7 of 11
Frequent Contributor

Re: Home Depot Approval

At least you got your foot in the door especially post burn! Either way congratulations on your new addition!!!

 

Cheers

Starting scores - 480 - 11/05/18
Current Scores -





Message 8 of 11
Established Contributor

Re: Home Depot Approval

Congratulations on your approval! That was a long time being black listed.


Message 9 of 11
Valued Contributor

Re: Home Depot Approval

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 10 of 11
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