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USBank Cash +, Paypal Credit

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New Contributor

USBank Cash +, Paypal Credit

Haven't Posted since Feb. Started the forum as a 99% Ghost. That began Oct 2015, No credit cards, no loans, no credit file except a 6 year old $50 CO, No AAOA after letting accounts fall off one by one. 7 Years worth. Most were from the recession 2009. 1st acct was Feb this year.

 

2/16 Started with Discover Chrome Secured Card $200  - Never deposited more than the minimum. Don't plan to. Feb hopefully unsecure No AF, 0% till 2017

 

2/16 Capital One Platinum MC (unsecured) $300 - 4/18 $800 Luv Button - 7/19 $1300 Auto CLI - No AF 23%

 

4/16 Capital One QS1 $500 - 6/18 $1500 Luv Button - $39 AF 0% till 2017

 

5/16 US Bank Cash Rewards + Visa $1000 (my bank) 7-10 approved, no issues or calls - 19% 0% till 2017

 

7/16 Paypal Credit (Comenity hidden LOC) $1500, I have an extensive business acount with PP - 6 months 0%, 20% after

 

Only Prime card is through my bank.  Utility 15-24% wanted to carry balance being ghost. Actual Fico Scores started at low 500's, went as high as 680 TU. New Accts lower 20-30 pts drop each time. New inquiries 6-10pts drop each. Around Oct will carry 3-5% balance, hoping for more Prime Cards. Really wanted Chase before I hit 5 Accts but after dealing with them and the EO on the phone I found Chase to be the most unprofessional. Now could care less -> including Co-branded BS. At 652 TU, 690 EQ, 660 EX currently

 

Nov 2015- Denied Paypal MC and Barclays - No credit history, Too few accts paid as agreed

 

Feb 2016- Denied Bankamericard, Amex DA - Insufficient credit history, Too few accts paid as agreed

 

Mar 2016- Denied Citibank - Insufficient credit history, Too few accts paid as agreed, inquiries, and derogatory (none except 6yo CO)

 

May- Denied Chase Freedom - Insufficient credit history, Too few accts paid as agreed, too many recent applications, CLIs not high enough

 

Honestly since I'm building my credit file from zero, I'm not concerned with AAOA or Inquiry Counts anymore. Chicken or the Egg vice Versa. Damage is done. Sitting at just under 30 INQ between the 3 CRA (25% from a new move, electric, etc..half from 2015). TU seems the most popular to hit followed by EX. No missed, lates, cleaned up personal info.

 

At some point would like to get in the door with BofA, Amex and Citi when score hits around 700

 

Forum has been pretty helpful so far. I peruse at least once a week. Only complaint is most approvals and app threads seem geared towards long established files good and bad. Kinda flying blindly as a ghost. It is what it is....Getting better

 

 

 

 

 

40 INQ - 720+ on all - 10 Months aaoa, No derog, No Lates



USAA, NFCU, PenFed, Disco, BofA, Citi, Cap1, Amex, USbank, PP
Message 1 of 7
6 REPLIES 6
New Contributor

Re: USBank Cash +, Paypal Credit

Forgot to add my recent mistake.

Cap 1 Buypower WEMC invitation. $300 cli online approval lol.

Hasn't arrived yet. Wondering if I cancel it before activation if it will negatively affect the me. Really don't want it on my report since it will never grow. But if it will I'll just let it sit 0% af.
40 INQ - 720+ on all - 10 Months aaoa, No derog, No Lates



USAA, NFCU, PenFed, Disco, BofA, Citi, Cap1, Amex, USbank, PP
Message 2 of 7
Valued Contributor

Re: USBank Cash +, Paypal Credit


@Do4You wrote:

Haven't Posted since Feb. Started the forum as a 99% Ghost. That began Oct 2015, No credit cards, no loans, no credit file except a 6 year old $50 CO, No AAOA after letting accounts fall off one by one. 7 Years worth. Most were from the recession 2009. 1st acct was Feb this year.

 

2/16 Started with Discover Chrome Secured Card $200  - Never deposited more than the minimum. Don't plan to. Feb hopefully unsecure No AF, 0% till 2017

 

2/16 Capital One Platinum MC (unsecured) $300 - 4/18 $800 Luv Button - 7/19 $1300 Auto CLI - No AF 23%

 

4/16 Capital One QS1 $500 - 6/18 $1500 Luv Button - $39 AF 0% till 2017

 

5/16 US Bank Cash Rewards + Visa $1000 (my bank) 7-10 approved, no issues or calls - 19% 0% till 2017

 

7/16 Paypal Credit (Comenity hidden LOC) $1500, I have an extensive business acount with PP - 6 months 0%, 20% after

 

Only Prime card is through my bank.  Utility 15-24% wanted to carry balance being ghost. Actual Fico Scores started at low 500's, went as high as 680 TU. New Accts lower 20-30 pts drop each time. New inquiries 6-10pts drop each. Around Oct will carry 3-5% balance, hoping for more Prime Cards. Really wanted Chase before I hit 5 Accts but after dealing with them and the EO on the phone I found Chase to be the most unprofessional. Now could care less -> including Co-branded BS. At 652 TU, 690 EQ, 660 EX currently

 

Nov 2015- Denied Paypal MC and Barclays - No credit history, Too few accts paid as agreed

 

Feb 2016- Denied Bankamericard, Amex DA - Insufficient credit history, Too few accts paid as agreed

 

Mar 2016- Denied Citibank - Insufficient credit history, Too few accts paid as agreed, inquiries, and derogatory (none except 6yo CO)

 

May- Denied Chase Freedom - Insufficient credit history, Too few accts paid as agreed, too many recent applications, CLIs not high enough

 

Honestly since I'm building my credit file from zero, I'm not concerned with AAOA or Inquiry Counts anymore. Chicken or the Egg vice Versa. Damage is done. Sitting at just under 30 INQ between the 3 CRA (25% from a new move, electric, etc..half from 2015). TU seems the most popular to hit followed by EX. No missed, lates, cleaned up personal info.

 

At some point would like to get in the door with BofA, Amex and Citi when score hits around 700

 

Forum has been pretty helpful so far. I peruse at least once a week. Only complaint is most approvals and app threads seem geared towards long established files good and bad. Kinda flying blindly as a ghost. It is what it is....Getting better

 

 

 

 

 


Congratulations to you!...Thanks for sharing.Smiley Very Happy

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 3 of 7
New Contributor

Re: USBank Cash +, Paypal Credit

Thanks! Slower process than I thought.

Only interested in CCs...no store cards for me. Kinda a minimalist shopper I guess.
40 INQ - 720+ on all - 10 Months aaoa, No derog, No Lates



USAA, NFCU, PenFed, Disco, BofA, Citi, Cap1, Amex, USbank, PP
Message 4 of 7
Super Contributor

Re: USBank Cash +, Paypal Credit

congrats on your approvals! 

Message 5 of 7
Community Leader
Super Contributor

Re: USBank Cash +, Paypal Credit

Rebuilding is tough. My rebuld included just a couple of old closed cards so that helped me a lot when adding new accounts. Having a good plan is a start then making wise decsions adds to the good. Congratulations on your progress. Time really will pass fast and you can reach your goals. 


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 6 of 7
Valued Contributor

Re: USBank Cash +, Paypal Credit

Congrats on your approvals and success !!

Fico 8's TU 777/ EQ 784/ EX 767 - 2/2019// AAoA 4.3 years // Lines 2/2019= 510k Personal - Business 52k // Inquiries 8 TU -10 Exp - 10 Eq.
Message 7 of 7
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