cancel
Showing results for 
Search instead for 
Did you mean: 

Joined the BB&T Express and arrived and Approval Town...

Highlighted
Contributor

Joined the BB&T Express and arrived and Approval Town...

Greetings Everyone,

I was reading the threads and came across the BB&T soft pull info. I decided to try my hand and was prequalified for all 3 cards! So I continued to app for the Spectrum and received the message that it could not be processed I would have to go in branch to continue with the app. I knew that if I decided to do that, it would be a definitely hard pull. I checked my reports and noticed that it was a soft pull. So I said why not, visited a branch the following day and sat down with a rep and was approved for my first $5000 SL. Needless to say, I was ecstatic. I love each and every one of you with the imparting of this priceless knowledge in order to build strong financials for future success.

I must say I would agree that they are not inquiry sensitive and new account sensitive.

Data Points:

FICO 8 EQ - 683 9 inq
FICO 8 TU - 699 13 inq
FICO 8 EX - 690 6 inq
Inquiries all with the last 6 months due to new car lease.
AAOA - 2y 6mo




10 REPLIES 10
Highlighted
Regular Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Congrats on the approval!







Message 2 of 11
Highlighted
Valued Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Congrats on the approval!


Message 3 of 11
Highlighted
Senior Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Congrats on your approval and sl OP!  I think they look at car lease/car loan inquiries in a different light.  I think. Someone should chime in on that one.

That was a smart move on your part to go ahead and go into the branch seeing you had the sp.



”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 4 of 11
Highlighted
New Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Congratulations on the approval. 

Message 5 of 11
Highlighted
Community Leader
Mega Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Choo Choo!
Message 6 of 11
Highlighted
Moderator

Re: Joined the BB&T Express and arrived and Approval Town...

Grats on the new card Smiley Happy

Message 7 of 11
Highlighted
Super Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Congrats !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>11/2020 CCT EX 821 TU 826 EQ 840

Color me your color, baby
Color me your car
Color me your color, darling
I know who you are
Come up off your color chart
I know where you're comin' from
Call me (call me) on the line
Call me, call me any, anytime
Call me (call me) my love
You can call me any day or night
Call me

Blondie - Call me ( 1978 )
Message 8 of 11
Highlighted
Contributor

Re: Joined the BB&T Express and arrived and Approval Town...

Thanks so much everyone for your support! I think I have the "Approval Itch"...uh oh...lol




Message 9 of 11
Highlighted
Established Contributor

Re: Joined the BB&T Express and arrived and Approval Town...


@Emierja99 wrote:
Greetings Everyone,

I was reading the threads and came across the BB&T soft pull info. I decided to try my hand and was prequalified for all 3 cards! So I continued to app for the Spectrum and received the message that it could not be processed I would have to go in branch to continue with the app. I knew that if I decided to do that, it would be a definitely hard pull. I checked my reports and noticed that it was a soft pull. So I said why not, visited a branch the following day and sat down with a rep and was approved for my first $5000 SL. Needless to say, I was ecstatic. I love each and every one of you with the imparting of this priceless knowledge in order to build strong financials for future success.

I must say I would agree that they are not inquiry sensitive and new account sensitive.

Data Points:

FICO 8 EQ - 683 9 inq
FICO 8 TU - 699 13 inq
FICO 8 EX - 690 6 inq
Inquiries all with the last 6 months due to new car lease.
AAOA - 2y 6mo

simoncongrat.gif

AU


Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.