OMG X1 Approved after being Denied - myFICO® Forums - 6476312

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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

Citi Custom Cash $4,000

US Bank Platinum $5,000

Chase Sapphire Preferred $15,000

Chase Amazon VISA $3,000

Chase Southwest VISA $7,000

Overstock $24,150

Discover It Cash $3,800

Discover It $14,500

AMEX Business Bonvoy $10,000

AMEX Business Cash $6,000

Amex Hilton Surpass $5,000

Amex Delta Skymiles $6,000

New York & Co $4,000

BrylaneHome $4,000

Macy's Store Card $8,600

Macy's Amex $25,000

AU TJ Max $10,000

AU Cap1 Walmart $5,500

Amazon Prime Store Card $10,000

PayPal World MC $20,000

PenFed Power Cash Rewards $17,500

PenFed Platinum $15,000

Capital One Quicksilver $3,500

Apple Card $4,500

Aspiration Zero $20,000

GAP Barclays $3,000

Venmo Visa $15,000

X1 VISA $26,000

Gemini MC $15,000

BoA Americard $14,000

Wells Fargo Autograph $2,500

Alliant VISA $8,000

Citi Costco AU $10,000

> >CREDIT UNION

Navy Federal Credit Union: Savings/Checking

Langley Federal Credit Union: Savings/Checking

University of Hawaii Credit Union

Alliant Credit Union: Savings/Checking

PenFed Credit Union: Savings/PL

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

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

Message 2 of 18

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

Message 3 of 18

Congrats on the surprise Approval.

Message 4 of 18

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

Congratulations on your X1 approval!

Message 6 of 18

Congratulations on your approval!!

Message 7 of 18

Congrats on your X1 approval ! Perseverance pays off.

Message 8 of 18

Fantastic SL, grats on it

Message 9 of 18

Congratulations!

Gardening until November 1, 2023

Message 10 of 18