Haha! They pull CBs I have an unpaid tax lien showing. I got the paperwork back and it's been updated on TU just waiting on the others. I plan on doing it ASAP! They also require a 730 score too.
It is an awesome rate and I have been with them for a couple years with decent money in my accounts so I don't see a problem when things are updated.
I think I'll app for Wally since they pull TU only. My old GEMB accounts were paid and have fallen off now so hopefully they let me back in. Cap1 I could really care less about getting an unsecured card, I just wish they'd insecure it without a credit check after 3 years. I should've applied for the BOA back than. UsBank a like and there are local locations so id like to give them a shot with an unsecured.
It is an awesome rate and I have been with them for a couple years with decent money in my accounts so I don't see a problem when things are updated.
I think I'll app for Wally since they pull TU only. My old GEMB accounts were paid and have fallen off now so hopefully they let me back in. Cap1 I could really care less about getting an unsecured card, I just wish they'd insecure it without a credit check after 3 years. I should've applied for the BOA back than. UsBank a like and there are local locations so id like to give them a shot with an unsecured.
@meehan22 wrote:I COULD ALMOST CRY! Its been a LONG 7 years!!!
THANK YOU SO MUCH CREDIT ADDICT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
My CU is a small 1 branch union in my hometown in South Dakota. They're CC approvals start at 730 scores they told me. II hope by summer time I may be there and will apply there.
WooHoo! Good job! Now, time to turn back into a seedling.
Good job CreditAddict!
Ah crap, tahts right. i lose my spade! 
The CU offers a signature card that is 730. The other card is just based on credit approval and yes as long as 4.88%. Yeah, next month i'll be apping for that!
I paid off my GEMB about 6 years ago. And they pull strictly just TU right? i dont use amazon and I really dont use WallyWorld much but its the only store card i'd really use. Plus a free Fico score would be nice!
@meehan22 wrote:I COULD ALMOST CRY! Its been a LONG 7 years!!!
THANK YOU SO MUCH CREDIT ADDICT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
My CU is a small 1 branch union in my hometown in South Dakota. They're CC approvals start at 730 scores they told me. II hope by summer time I may be there and will apply there.
congrats
@meehan22 wrote:Ah crap, tahts right. i lose my spade!
The CU offers a signature card that is 730. The other card is just based on credit approval and yes as long as 4.88%. Yeah, next month i'll be apping for that!
I paid off my GEMB about 6 years ago. And they pull strictly just TU right? i dont use amazon and I really dont use WallyWorld much but its the only store card i'd really use. Plus a free Fico score would be nice!
APPLY FOR THE WALLY
I am going to do that this evening but I was also looking at maybe Amazon or the PayPal card through GE. I do a bit of online shopping on ebay/paypal, more than what I spend at Walmart. My girlfriend (who has awesome credit) is going to app for the Chase Slate card tonight and add me as an AU. To bad US Bank doesn't allow reporting of AU's because she had a pretty good limit with them and low UTL.
Once that is done I think it'll be time to close the Cap1 secured. I'll hold on the US Bank for another month and app for a unsecured card from them once everything updates and be done. With a couple inq this month and a couple next month I dont think that'll upset barclay.
PayPal $500! Wish it was higher but I'll be trying for them CLIs every 4-5 months. I also burned but paid them 7 years ago, just fell off my CR this month. To bad I didn't app a day sooner I just bought My girlfriend an ipad off of eBay. Oh well.
Time to close down Cap1. Going to keep US bank another month and app for a unsecured card than close that down. Than app and hopefully get a religiously good INT rate at my CU next month.
Today has been a good day. Thanks everyone. Didn't end up applying at US bank but I think they pull other than TU which I can't app for yet.
Thanks so much to everyone, especially credit addict. Couldn't be more thankful.
What's everyone think.. Close down Cap1 now?
Time to close down Cap1. Going to keep US bank another month and app for a unsecured card than close that down. Than app and hopefully get a religiously good INT rate at my CU next month.
Today has been a good day. Thanks everyone. Didn't end up applying at US bank but I think they pull other than TU which I can't app for yet.
Thanks so much to everyone, especially credit addict. Couldn't be more thankful.
What's everyone think.. Close down Cap1 now?
@meehan22 wrote:I COULD ALMOST CRY! Its been a LONG 7 years!!!
THANK YOU SO MUCH CREDIT ADDICT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
My CU is a small 1 branch union in my hometown in South Dakota. They're CC approvals start at 730 scores they told me. II hope by summer time I may be there and will apply there.
Congrats on the approval!!
(way to go CA)
