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UBER Visa with shocking (for me) SL

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Regular Contributor

UBER Visa with shocking (for me) SL

This was already posted in the Uber Data Points thread. My approval was not instant. Received the "ten-day" message. Anxiously kept checking the status and no change. I finally bit the bullet and called the backdoor number. I was told application was still pending and I would need to speak with another department. After being on hold, the same rep said he cleared some things with the other department and I no longer needed to speak with them directly. He then asked me a few questions about income, job title/history, and then about the balance on one of my cards. Asked if it was under a promotional period. I said no, that I didn't catch it in time before the statement cut before paying. (Truth) He commended me on my payment history (lol -- check out the listed baddies) and then approved me with a SL of $7,500 (I am shocked). 

 

Data Points:

TU Fico 8: 690  

TU inquiry: 12 (4 in last 6 months)

New Accounts: 8 (or 9?) in the past year

UTI: 17%   

Baddies: 120-day late on SLs as recent as April 2017 & a paid charge off from 2016. 

Starting Score (5/2017): EQ 528, TU 561, Ex 512
Current Score (8/2018): EQ 673, TU 692, EX 699
Goal Score: 700


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Message 1 of 11
10 REPLIES 10
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Frequent Contributor

Re: UBER Visa with shocking (for me) SL

Congrats on the approval and fantastic SL!

College Junior
Starting Score: 724
Current Score: 744
Goal Score: 775

Message 2 of 11
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Regular Contributor

Re: UBER Visa with shocking (for me) SL


@StockiestTrout wrote:

Congrats on the approval and fantastic SL!


Thank you! I can't wait to start earning those rewards! I eat out SO much. 

Starting Score (5/2017): EQ 528, TU 561, Ex 512
Current Score (8/2018): EQ 673, TU 692, EX 699
Goal Score: 700


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Message 3 of 11
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Regular Contributor

Re: UBER Visa with shocking (for me) SL

Congrats on the approval and nice SL!



Message 4 of 11
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Valued Contributor

Re: UBER Visa with shocking (for me) SL

Congrats on the recon and great SL!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 5 of 11
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Regular Contributor

Re: UBER Visa with shocking (for me) SL


@xaximus wrote:
Congrats on the recon and great SL!

Thanks!! I am honestly not sure that I was ever denied. Was that a recon? The rep said that the application was still under review, so I just assumed it meant that a decision hadn't been rendered yet. Who knows. 

Starting Score (5/2017): EQ 528, TU 561, Ex 512
Current Score (8/2018): EQ 673, TU 692, EX 699
Goal Score: 700


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Message 6 of 11
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Valued Contributor

Re: UBER Visa with shocking (for me) SL


@Ade1385 wrote:

This was already posted in the Uber Data Points thread. My approval was not instant. Received the "ten-day" message. Anxiously kept checking the status and no change. I finally bit the bullet and called the backdoor number. I was told application was still pending and I would need to speak with another department. After being on hold, the same rep said he cleared some things with the other department and I no longer needed to speak with them directly. He then asked me a few questions about income, job title/history, and then about the balance on one of my cards. Asked if it was under a promotional period. I said no, that I didn't catch it in time before the statement cut before paying. (Truth) He commended me on my payment history (lol -- check out the listed baddies) and then approved me with a SL of $7,500 (I am shocked). 

 

Data Points:

TU Fico 8: 690  

TU inquiry: 12 (4 in last 6 months)

New Accounts: 8 (or 9?) in the past year

UTI: 17%   

Baddies: 120-day late on SLs as recent as April 2017 & a paid charge off from 2016. 


You must be an outlier. ¯\_(ツ)_/¯ Congrats, OP! Smiley Wink

Message 7 of 11
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Senior Contributor

Re: UBER Visa with shocking (for me) SL

Congrats on approval and nice SL !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 11
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Regular Contributor

Re: UBER Visa with shocking (for me) SL

Haha thanks! Love that meme!
Starting Score (5/2017): EQ 528, TU 561, Ex 512
Current Score (8/2018): EQ 673, TU 692, EX 699
Goal Score: 700


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Message 9 of 11
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Regular Contributor

Re: UBER Visa with shocking (for me) SL

@disstreetcoolkid200, for sure. Can’t deny that in spite of all the data points.
Starting Score (5/2017): EQ 528, TU 561, Ex 512
Current Score (8/2018): EQ 673, TU 692, EX 699
Goal Score: 700


Take the myFICO Fitness Challenge
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