The Anniston Tidal Wave…AOD FCU Approvals Thread

[spiritcraft1]

---

@Anonymous wrote:

Alright!  Third time is the charm!

Created an account just so I can join the group.  This is my 3rd time applying and finally approved!

Been drooling over this card ever since it last April, applied then and got denied.  Applied again in Nov 2020 and go denied again.

Finally decided to try again over the weekend and got approved!

My DP for reference:

EQ: 677

SL: $10,000 @ 9.99%

---

Congrats on this approval.  Did you have any derogs on your reports?  That is a great job!

[Anonymous]

---

@spiritcraft1 wrote:

---

@Anonymous wrote:

Alright!  Third time is the charm!

Created an account just so I can join the group.  This is my 3rd time applying and finally approved!

Been drooling over this card ever since it last April, applied then and got denied.  Applied again in Nov 2020 and go denied again.

Finally decided to try again over the weekend and got approved!

My DP for reference:

EQ: 677

SL: $10,000 @ 9.99%

---

Congrats on this approval.  Did you have any derogs on your reports?  That is a great job!

---

No, I didn't have any derogs.  I do, however, have a pretty thin file.

My first credit card was opened in Oct. 2019, so I believe it contributed to my denial on my initial apps.

For reference my credit file looks like this:

BoA Cash Rewards - 10/2019

AmEx Gold - 01/2020

AmEx Platinum - 11/2020

Chase Sapphire Preferred - 11/2020

1st auto lease - 11/2019

2nd auto lease - 06/2020

Fico 8 scores were at ~760 across the board when I app'd.

[Credit4Growth]

@Anonymous Congratulations to you on your persistence and your approval!

[Credit4Growth]

---

@Mr_Mojo_Risin wrote:

Screenshot_20210506-163547_Gmail.jpg

Friends, I come with super cool news today. I received an email that all I needed to do was Docusign and the app is complete and my card will arrive in 7-10 days. Debit card will be on the way as well. 

I'm simply beside myself, I really thought I had maybe 30% chance at best. Just so excited for this approval don't even know how to word this post! 🤣

Anyway, I was approved for 5K at 9.99 which is what I asked for, thinking I'd be lucky to be approved at all.

5K is plenty for me and the apr is now my lowest. 

A few DP's:

EQ5 680 

0/6 2/12

AAOA 1yr8m

AOOA 3yrs9m 

DTI  14%

I know I'm forgetting some other DP's.

Big props to @PullingMeSoftly  for compiling and updating this massive thread!

Thank you to all who contribute on these forums, without you none of my past rebuild or current credit standing would have been possible!

---

@Mr_Mojo_Risin 

Congratulations on your AOD approval!   😃

[nosup4u]

CLI Approved 

5k to 10k

had to show POF

Eq 682

Been with AOD a year now 

AAOA 3.11

APR 8.99%

Hard Pull

(Also got a LOC with then back in September for 5k )

[Mr_Mojo_Risin]

---

@nosup4u wrote:

CLI Approved 

5k to 10k

had to show POF

Eq 682

Been with AOD a year now 

AAOA 3.11

APR 8.99%

(Also got a LOC with then back in September for 5k )

---

Congrats! 5K CLI is pretty sweet. 

They HP for CLI's right? 

[nosup4u]

yep took a hard pull

[Anonymous]

---

@nosup4u wrote:

CLI Approved 

5k to 10k

had to show POF

Eq 682

Been with AOD a year now 

AAOA 3.11

APR 8.99%

Hard Pull

(Also got a LOC with then back in September for 5k )

---

Congrats on the CLI!

[M_Smart007]

---

@nosup4u wrote:

CLI Approved 

5k to 10k

had to show POF

Eq 682

Been with AOD a year now 

AAOA 3.11

APR 8.99%

Hard Pull

(Also got a LOC with then back in September for 5k )

---

@nosup4u, Congratulations on your AODFCU CLI !