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TD Cash Back and Rakuten approvals

Hex
Established Contributor

TD Cash Back and Rakuten approvals

Pleased to share data points on 2 approvals:
11/14/19- TD Cash Back Credit Card $6K Siggy Visa instant approval middle APR. I got this card for the SUB.
11/18/19- Rakuten (Sync) Siggy Visa $6.5K. Best APR. I wanted this card to get extra cash back on stuff I’m going to buy anyway. Initially got 7 to 10 day message but when doing the app they wanted to send me a text to verify it was me applying but my phone number wasn’t there to select. Thanks to this forum I knew about credit solutions so I gave them a call. Apparently I had entered the wrong telephone number when I made application. I was able to do the verification over the phone and they told me I was approved! Card will arrive in 7 to 10 days.
TD pulled Experian I’m not sure which version but my Experian FICO 8 was 733.
Rakuten is Sync so they pulled Transunion of course. TU FICO 8 was 126 but my crazy high Vantage 4 was 785 (TU Vantage 3 was 703).
Inquires in the last year TU 3
EX 4
If anyone wants more data points let me know.
Message 1 of 10
9 REPLIES 9
AllZero
Super Contributor

Re: TD Cash Back and Rakuten approvals

Congratulations on your approval!
Message 2 of 10
M_Smart007
Epic Contributor

Re: TD Cash Back and Rakuten approvals

 

Congrats on yer approvals!!!

 

Message 3 of 10
AverageJoesCredit
Mega Contributor

Re: TD Cash Back and Rakuten approvals

You have crazy good cards only 3 years post BK7🤯 Took me 8 years to realize i could even get creditSmiley Wink.

CongratsSmiley Happy
Message 4 of 10
KLEXH25
Valued Contributor

Re: TD Cash Back and Rakuten approvals

Congratulations!!! I love when people post their data points. It seems people forget the importance of that. Enjoy!




Message 5 of 10
James_A
Senior Contributor

Re: TD Cash Back and Rakuten approvals


@KLEXH25 wrote:
... I love when people post their data points. It seems people forget the importance of that ...

Amen! But not Hex. Great job posting, and Congratulations! on your approvals.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 6 of 10
19eighty5
Senior Contributor

Re: TD Cash Back and Rakuten approvals

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 10
Hex
Established Contributor

Re: TD Cash Back and Rakuten approvals

Thanks everyone! I especially like to share data points because of BK. That way others with BK can see which lenders are worth a shot.
AJC you may have gotten a late start but you’ve been my inspiration. Smiley Happy
Message 8 of 10
FireMedic1
Super Contributor

Re: TD Cash Back and Rakuten approvals

Nice. Yes great DP's for us BK'ers. Congrats!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 9 of 10
Meanmchine
Super Contributor

Re: TD Cash Back and Rakuten approvals

Congrats x2 !!


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 10 of 10
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