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Try #3 AOD approval 5k

Total80sKid
Valued Contributor

Re: Try #3 AOD approval 5k

Congrats on your AOD approval 👍🏼

Message 11 of 24
GatorCowboyLion
New Contributor

Re: Try #3 AOD approval 5k

Wow such dogged determination! Kudos! 


DW cards:

CC goal:

DW goal:
Message 12 of 24
M_Smart007
Epic Contributor

Re: Try #3 AOD approval 5k

Congrats and welcome to the AODFCU family!

Message 13 of 24
spiritcraft1
Valued Contributor

Re: Try #3 AOD approval 5k


@Gmoney144 wrote:

After a 1 1/2 year  of trying to get approved through AOD, I was finally approved.  EQ score is 790 and DTI is 1%.. I have a derogatory mark on EQ but is clear on other CRAs. That kept me from being approved. I finally emailed the other CRA reports and I received an emailed stating I'm approved. Asked for 10k but received 5k. 


Congrats and thanks for the DP's.  Can you provide a bit more detail ablut the derog on your EQ report that was giving them pause?  Thanks.


|Biz | AU

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k
Message 14 of 24
GrandBay
Frequent Contributor

Re: Try #3 AOD approval 5k

@Gmoney144 

Congrats on your AOD approval!

you were determined to get it... or did the initial denial make it a priority?

I know when denied I work hard to overcome it

also, as @spiritcraft1 said, can you share the DP that caused the denial?

Message 15 of 24
Wavester64
Valued Contributor

Re: Try #3 AOD approval 5k

@Gmoney144 

 

congrats.jpg





Potential Future Cards
Message 16 of 24
CreditCuriosity
Moderator

Re: Try #3 AOD approval 5k

Congrats on approval and persistence, it is a great card and enjoy mine basically daily.  your DTI is 1% or mean utilization is 1%?  Can't imagine DTI for anyone being 1%, but suppose it is possible Smiley Happy

Message 17 of 24
Gmoney144
Regular Contributor

Re: Try #3 AOD approval 5k

It


@spiritcraft1 wrote:

@Gmoney144 wrote:

After a 1 1/2 year  of trying to get approved through AOD, I was finally approved.  EQ score is 790 and DTI is 1%.. I have a derogatory mark on EQ but is clear on other CRAs. That kept me from being approved. I finally emailed the other CRA reports and I received an emailed stating I'm approved. Asked for 10k but received 5k. 


Congrats and thanks for the DP's.  Can you provide a bit more detail ablut the derog on your EQ report that was giving them pause?  Thanks.

it was a loan that wrongfully stated that I was late paying it.  I sent in the other CRAs  to the loan officer and was approved. 

 


 




Business Cards
Message 18 of 24
spiritcraft1
Valued Contributor

Re: Try #3 AOD approval 5k


@Gmoney144 wrote:

It


@spiritcraft1 wrote:

@Gmoney144 wrote:

After a 1 1/2 year  of trying to get approved through AOD, I was finally approved.  EQ score is 790 and DTI is 1%.. I have a derogatory mark on EQ but is clear on other CRAs. That kept me from being approved. I finally emailed the other CRA reports and I received an emailed stating I'm approved. Asked for 10k but received 5k. 


Congrats and thanks for the DP's.  Can you provide a bit more detail ablut the derog on your EQ report that was giving them pause?  Thanks.

it was a loan that wrongfully stated that I was late paying it.  I sent in the other CRAs  to the loan officer and was approved. 

 


 


I was curious if it was a late or something more serious.  Thanks.


|Biz | AU

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k
Message 19 of 24
ChargedUp
Valued Contributor

Re: Try #3 AOD approval 5k

Congrats on finally getting the AOD VS! Persistence worked in your favor!

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($3500), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k)
Message 20 of 24
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