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Quack, Quack Round 3

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Moderator Emeritus

Re: Quack, Quack Round 3

@Birdman7Grats! Did we not have a recent thread on FNBO reducing CLs to include this card? Seemed it even included the big hitters! Wish you the best Smiley Happy

Starting Score: 300
Current Score: 850
Goal Score: 850


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Message 11 of 22
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Community Leader
Valued Contributor

Re: Quack, Quack Round 3


@Dinosaur wrote:
@Birdman7Grats! Did we not have a recent thread on FNBO reducing CLs to include this card? Seemed it even included the big hitters! Wish you the best Smiley Happy

We've only had 1 person that got shutdown due to inquiries. Covid times and credit seeking isn't the best combo.

 FICO 8
Message 12 of 22
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Super Contributor

Re: Quack, Quack Round 3

Thank you everyone! And a special thanks to @Overmedicated , because like @gdale6 said, I know the gravy train has to stop sometime and I was kind of concerned that I was at the end of the soup line, but @Overmedicated influenced me to go ahead and jump and I'm glad I did! 😉😁

 

@Dinosaur yeah I don't remember any such thread. I just remember one and I think it may be the one that @Overmedicated referred to, but I miss a lot of threads so I may have missed it.

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 13 of 22
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Moderator

Re: Quack, Quack Round 3

Grats your CL is bigger than my starting 15k cl.. Cant get one for life of me from them although cant blame them persay as use card very minimal due to not driving much at all anymore and my credit seeking behavior Smiley Happy

Message 14 of 22
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Valued Contributor

Re: Quack, Quack Round 3

Congratulations on your Ducks Unlimited CLI!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 15 of 22
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Valued Contributor

Re: Quack, Quack Round 3

Congrats @Birdman7  on the increase!! Kicking myself for not getting the approval when it was 5% on gas. 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Oct 2020 (TU 783) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 16 of 22
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Valued Contributor

Re: Quack, Quack Round 3

Congratulations on your CLI!!! Sounds like a good friend to me Smiley Tongue








Message 17 of 22
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Super Contributor

Re: Quack, Quack Round 3

Thank you everyone!

They have treated me well, but I must admit I do give it plenty of use, and I do a little driving so...
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 18 of 22
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Super Contributor

Re: Quack, Quack Round 3

But to be honest they have to be losing money because I PIF and I don’t use it for anything other than the 5% category. but the customer service is also great, imo.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 19 of 22
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Super Contributor

Re: Quack, Quack Round 3

Congrats on squeezing some more quacks out of them!




Message 20 of 22
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