End of November and December was quite the month. Aside from personal data that led to approval, the CB relied upon unless indicated was Equifax. MY current FICO 778 Total inquires last 12 months 18 - clean report. oldest account (closed) 30 years, oldest open tradeline 2.4yrs and newest is 4 months. 13 new accounts this year utilization 1%.
Discover opened April 2017, SL 200, increased on month 2 to $500, very heavy use, PIF b4 statement, unsecured 11/28 returned deposit and gave an unsecured line of $2500 (TU Score at graduation 643) they also did an outragious amount of SP's on EX.
William Sonoma opened May 2017 500 SL various increases throughout year, increased this month from $4000 to $8000
Overstock opened August 2017 SL 1000 SL, various increases throughout the year, increased this month from $4100 to $8100
Nordstrom opened June 2017 1000 SL, increased to $2500 in Aug and increased to $5000 (SP EX. Score 673 6 inq. last year)
Cabala's Visa opened June 2017 $3000 SL, increased today to $10,000 (very heavy use Approx $9500 through the last 6 months all PIF before statement cuts). I beleive this was a hard pull but have received zero allerts, I will update when I findout.
I know the following belongs in the applications section, however, I posted here in hopes of adding to my approvals over the next few days.
I apped yesterday for AMEX and denied pulled TU score 683 bads are 2 unpaid charge offs and 1 paid charge off, last bad mark 3.5yrs ago.
I have the following apps pending:
Cabala's (2nd card) apped today 12/22 pending 7-10 day
Penfed Promise apped today 12/22 still pending
NRA Business Visa apped 12/21 received email today (12/22) 10 - 14 days was listed in email.
I will update as I hear back. All in all this has been a great year thanks to this board, I have gone from only having a $300 secured visa card (now unsecured March 2017 increased line to $3000) and $400 Credit one to over 50K in unsecured credit and a 6k personal loan... Not bad at all. I will not be apping for anything else until at least late summer, I want AMEX but (unless I get an earlier offer) my file has to season until at least June
Current Scores as of 8/18/17 all FICO 8 EQ: 695 EX: 673 *fico2 699 TU:645 bio has more.
Good luck with your pending apps
