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Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

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12njoy
Super Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved


@KingRue8500 wrote:

Congrats on your Tower FCU Empower MC approval


Thank you

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 11 of 24
cashorcharge
Community Leader
Super Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

That's some great work in a single day!!!  WooHoo!! Congratulations on all your Approvals!!👏🏼🍾🥂

Message 12 of 24
CreditAggie
Community Leader
Super Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

Congratulations on your approvals!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 13 of 24
babygirl1256
Senior Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

Congrats on your Tower FCU Empower Mastercard approval and your super awesome approval spree . . . that's sweet!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 14 of 24
everest
Frequent Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

Congrats on your latest of many great approvals! 🎉



Message 15 of 24
HowDoesThisAllWork
Frequent Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved


@12njoy wrote:

I recently had a flurry of activity in applications before my new loan hit my reports.  As a result, I added some significant gains.  Took inq's across all bureaus while reports showed very little debt.  Added 132.7K as follows:  EX - Gemini (22k), US Alliance (20k), Bloomingdale (2.5k) and Patel (2.5k).  EQ - DCU (12.5k).  Last but not least, TU - Superior (20k), Wells Fargo (22.5k), BMO (12.5k) and just today Tower FCU (18.2k).  That's strategic planning and I love it.  Scores took a major hit but still in the high 700's.

 

 


@12njoy I think that I now want to be like you when I grow up!  LOL!  Hold on....at 55 am I considered "grown up"?  Dang it!  That really sucks.

FICO 8 Scores as of 2022 JULY 04:

FICO 9 Scores as of 2022 JULY 04:

FICO Auto 8 Scores as of 2022 JULY 04:

FICO Auto 9 Scores as of 2022 JULY 04:

FICO Bankcard 8 Scores as of 2022 JULY 04:

FICO Mortgage 2/4/5 Scores as of 2022 JULY 04:

Starting Score: Exp 627
Current Score: Exp 713
Goal Score: Exp 750+

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Message 16 of 24
NalekSok
Regular Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

Congratulations on your approvals! 🎉 Enjoy those new benefits!






Message 17 of 24
MCM1
Regular Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved

Does US Alliance do a hard or soft inquiry to join?  Do you know if they run ChexSystems? 

Message 18 of 24
12njoy
Super Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved


@MCM1 wrote:

Does US Alliance do a hard or soft inquiry to join?  Do you know if they run ChexSystems? 


I had a sp to join but a HP for Visa/LOC.  They are on my ChexSystems report so I assume they do run it.  However, I had a number within that same week and still passed muster.

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+
Message 19 of 24
calisig
Regular Contributor

Re: Likely last application for a while due to inq's - Tower FCU Empower Mastercard approved


@12njoy wrote:

Scores took a major hit but still in the high 700's.


Please let us know how your scores do when the new cards start to show on your reports. TIA and congratulations!

13Oct22 Exp F8: 812
Message 20 of 24
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