Semi-Successful App Spree

[Anonymous]

Got my wife's scores over 600 by adding her to a few of my accounts last month. Figured I would try to add a few of her own. Had modest success:

1) Barclay Rewards - Got 7-10 Day message

2) Chase Disney - Got 7-10 Day message

3) Cap One QS1 - Approved $500(Credit Steps)

4) Shell drive for five - Approved $400

5) Amazon Store Card - Approved $800 

She already has QS($1500). This gives her 4 of her own tradelines as well as 3 AU lines. Not sure why Barclay hates us. Neither of us have had an account with them before and I was declined last month. I've seen many folks with weaker profiles get approved. Her current scores are 662(EX) 617(TU) 616(EQ). AAoA is 3yrs. 2 Small collections that we are working on PFD. A few lates(nothing in past 8 months). I tried all of the prequal sites and got no hits. It's good progress....I suppose. 

[OmarGB9]

Grats

[Anonymous]

Congrats and enjoy them.

[Anonymous]

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@Anonymous wrote:

Got my wife's scores over 600 by adding her to a few of my accounts last month. Figured I would try to add a few of her own. Had modest success:

1) Barclay Rewards - Got 7-10 Day message

2) Chase Disney - Got 7-10 Day message

3) Cap One QS1 - Approved $500(Credit Steps)

4) Shell drive for five - Approved $400

5) Amazon Store Card - Approved $800 

She already has QS($1500). This gives her 4 of her own tradelines as well as 3 AU lines. Not sure why Barclay hates us. Neither of us have had an account with them before and I was declined last month. I've seen many folks with weaker profiles get approved. Her current scores are 662(EX) 617(TU) 616(EQ). AAoA is 3yrs. 2 Small collections that we are working on PFD. A few lates(nothing in past 8 months). I tried all of the prequal sites and got no hits. It's good progress....I suppose. 

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Barclays is a weird lender. They are traditionally an approval at the lower score range, however everytime I call in to recon with a TU score of 660+ they tell me too many inquiries. The two data points don't mesh...Easy lender yet denied because of inquiries...

[Anonymous]

Congrats!

[alextercero]

Congrats

[Anonymous]

Congrats!

[Anonymous]

Congrats!

[Anonymous]

Congrats on the approvals !

[Anonymous]

I guess we pushed our luck with Synchrony. I tried HH Gregg and was declined. DW tried Old Navy and JC Penney and got 7-10 day message on both. Hanging my head and shuffling off to the garden but I'm not happy about it.