Re: Prequal'd for Dell Preferred Account. UPDATE -... - Page 2 - myFICO® Forums - 6245237

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@MyDataMyChoice

I am curious and I think I missunderstood our or at least my own post, is this approval for a personal or a business account?

Thanks!

Message 11 of 17

I originally applied for a business account. It was denied (didn't even pull credit...) I will see about creating an EIN for sole prop.

I ended up pre-qualing for the PERSONAL dell preferred... and it said 5K so I took the bait. ended up with 5K max limit they offer it seems and lowest rate they offer.

Barclay Banana Republic Store Card - Reconsideration for $200

Macys Amex - 1500 same day CLI to 10K

Amazon/Whole Foods Visa June 2024 $3500 - September 2024 Auto CLI SP CLI to 5K

Amex Gold NPSL 4K POT

November 2023 - Home Depot Credit Card SL $500 May 2024 HP CLI to $5,700

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

SDFCU Visa Signature $5000 CLI to 6500 - Auto CLI to 9500

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021 | HP CLI to $5,500

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

Message 12 of 17

Congrats on the overturn!

NFCU More Rewards: $23,100

NFCU Cash Rewards: 25,000

Capital One Venture: $10,250

Message 13 of 17

Terrific! Congratulations 🎉🥂

Message 14 of 17

Congratulations on your Dell approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (January 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Message 15 of 17

Sweet, grats on your new Dell account

Message 16 of 17

Congrats on the approval!

Message 17 of 17