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OMG X1 Approved after being Denied

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blazerein
Established Contributor

OMG X1 Approved after being Denied

So 2 months ago I got the email invite and I applied to it but got denied as they can't verify my income (soft pull).  Sent an email and explained that I put my Household Income instead of my Annual Income (like I normally do).  They replied and want to see 2 pay stubs, sent it but still got denied. So it was a soft pull and forget about it.  Just cleaning out my old emails and came across with the same email invite 2 months ago and what the heck let's try it again. Click the link and ask me to connect my bank right away. After 2 minutes waiting (i know it will be denied like before) Then it happened I got a Blue Check Mark - APPROVED FOR 26,000 and all my CB are locked. What a way to start the year with Aspiration 20k and now X1. I need to Garden now for sure.

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 1 of 18
17 REPLIES 17
CreditMagic7
Mega Contributor

Re: OMG X1 Approved after being Denied

Turnaround approvals are a nice surprise. Congratulations on the X1!

Message 2 of 18
SmileNWave
Contributor

Re: OMG X1 Approved after being Denied

Congratulations on the approval! I got an invite but got absolutely no love from them. Apparently 47k income ain't enough for them...Smiley Sad

 

Message 3 of 18
M_Smart007
Legendary Contributor

Re: OMG X1 Approved after being Denied

Congrats on the surprise Approval.

Message 4 of 18
sugarcreek67
Frequent Contributor

Re: OMG X1 Approved after being Denied

Congrats on your X1 approval


>>current scores 12/11/21
EQ Fico9 759 | TU Fico9 763 | EX Fico9 768
EX fico 8 753 | EQ Fico8 745 | TU Fico 8 760 | Navy score 294
Message 5 of 18
Reviewers
Established Contributor

Re: OMG X1 Approved after being Denied

Congratulations on your X1 approval!

Message 6 of 18
Elpadrino1
Valued Contributor

Re: OMG X1 Approved after being Denied

Congratulations on your approval!!

Message 7 of 18
NRB525
Super Contributor

Re: OMG X1 Approved after being Denied

Congrats on your X1 approval ! Perseverance pays off. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 8 of 18
gdale6
Moderator Emeritus

Re: OMG X1 Approved after being Denied

Fantastic SL, grats on it Smiley Happy

Message 9 of 18
boosnark
Contributor

Re: OMG X1 Approved after being Denied

Congratulations!

Gardening until November 1, 2023
Message 10 of 18
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