Been out of the forums for quite a few months as we packed up and moved into a new house. So I'm just kind of filling in the gap with some recent-ish data points.
6/18/2020 - DISCOVER APPROVAL $2000
Had a Disco last year which I put mine + DH's income on app. They closed it after an AR. So, I got a preapproval, apped with my own income. Small limit, but they haven't AR'd me yet. EXP score was 698 at the time with 15 inq.
07/01/2020 - HOME DEPOT APPROVAL $500 -> $3,000
Called the backdoor number, said I needed to get new appliances and asked for $3K. They gave it to me.
JULY 2020 - CLI Requests approved
Overstock ($800 bump to $5600)
Wayfair ($800 bump to $6400...right before the announcement)
Boscov's ($800 bump to $4050)
NFCU Amex $2500 bump to $7500 (Started as secured, have 3 cards with them, total CL $30K)
08/06/2020 - MACY'S APPROVAL $500 -> $3,000
Called the backdoor number, pushed the button for "you received a letter" since the other options take you to regular CS. Had to call 2x since first rep said only store personnel can request a review. 2nd time was the charm, told them about planned furniture purchase and they gave me what I asked for - $3,000
08/15/2020 - AT HOME APPROVAL $2300
Went on a shopping spree for the new house. Discovered this amazing store. Expected to be declined since SYNCH loves to hit me with low limits. Saved $200 with their new cardholder coupon, def worth the pull. Pulled TU - 664 FICO8, 15 INQs
09/03/2020 - RAKUTEN VISA SIGNATURE APPROVAL - ????
Saw some DP's with similar stats as mine. Apped, instant approval. Approval page said "Visa Signature" with $1K temp limit (printed it) , but the email link to do an account lookup says "Visa Platinum". Will be interesting to see how this pans out. Pulled EXP, 682 w/ 26 INQ
09/04/2020 - Overstock CLI Approved
Been 2 mos since I asked for my last one and I put about $1200 spend outfitting this new house. Instant $1500 CLI approval.
As it stands here are my FICO8 deets:
BK7 discharged Nov 2016
EX: 681, 26 INQ
TU: 664, 16INQ
EQ: 664, 14INQ
