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PayPal Credit

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New Contributor

PayPal Credit

I decided to app for PayPal Credit today after receiving an email last night from them saying that I was “selected” to apply. I was somewhat hesitant, but I started reading some other posts on here and went for it. I was approved for $2,000, so I was pleased with that and the approval alone.

For anyone looking for data points, my current scores are in my signature line and I have one paid/closed collection, two that I’m paying down that each sit under $500, and a medical collection at about $2,500 that is untouched for now.
Current FICO 8 Scores EQ-676, TU-698, EX-684
Goal for Fico Scores: 850 or thereabouts across all 3B's.
Message 1 of 11
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Established Contributor

Re: PayPal Credit

Congrats Mr/Mrs Brewhaha

 

That's not a bad limit for a rebuilder!

 

Congratulations on all your success.  You're up 50 points.  You're well on your way!!

 

Good luck to you!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 659, EQ 696, TU 739 (02/24/2018)
1st Goal Ficos: EX 700, EQ 700, TU 750 (12/31/2018)
~~~Credit lines~~~~
BofA Platinum Plus: $2000
Capital One Platinum: $500
Discover It: $10,500
Chase Freedom Unlimited: $6400
Home Depot: $500
BofA Cash Rewards: $1500
Lowe's: $1000

My Credit Rebuild


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Message 2 of 11
New Contributor

Re: PayPal Credit

Thanks and I’m a man. This forum has taught me enough to keep pushing forward, so I’m working for better.
Current FICO 8 Scores EQ-676, TU-698, EX-684
Goal for Fico Scores: 850 or thereabouts across all 3B's.
Message 3 of 11
Established Contributor

Re: PayPal Credit

Congrats. That is an awesome starting line. 

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 4 of 11
New Visitor

Re: PayPal Credit

hey! great job on the approval! i am new to the forums and am curious as to which reports the hard inquiry reported on??

Message 5 of 11
Frequent Contributor

Re: PayPal Credit

I have four cards with them and they are all few years old now. They always pulled TU for me.

Walmart - Started at 1800 --> 10k
Chevron - Started at 2k --> 10k
Lowe's - Started at 7.5k -> 35k
PayPal - Started at 1500 -> 10k

I think I have maxed out on all 3. Rarely use any of them. I believe 720+ is their magic number.

Just my 2 cents..

Starting Score: 475
Current Score: 649
Goal Score: 690


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Message 6 of 11
Established Contributor

Re: PayPal Credit

Congrats! 

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 7 of 11
Moderator

Re: PayPal Credit


@rizzonellie wrote:

hey! great job on the approval! i am new to the forums and am curious as to which reports the hard inquiry reported on??


PayPal Credit typically pulls EQ.  It's worth noting that effective July 2nd, SYNCB will be the new owner of this program.

Message 8 of 11
New Contributor

Re: PayPal Credit

Thanks and I received a hard inquiry on EQ.
Current FICO 8 Scores EQ-676, TU-698, EX-684
Goal for Fico Scores: 850 or thereabouts across all 3B's.
Message 9 of 11
Valued Contributor

Re: PayPal Credit

I received an email as well, so thought about for a while and pulled the trigger.....Approved for 5K.

I wonder what will happen when Synchroney takes over.....I have wally, amazon and marvel card.

Don't wanna end up with a blue envelope.

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Message 10 of 11
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