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BBVA Mailer

Auto Loans for ANY Credit Situation. Immediate Response.
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Valued Contributor

Re: BBVA Mailer

No they said it usually is, there was just some kind of glitch with mine.

The representative was even surprised. She said that would normally happen if it’s locked but I had unlocked it before she did it.









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 31 of 47
Valued Contributor

Re: BBVA Mailer

You know I was just thinking about it, the online prequalification tool does not work in my state. I wonder if there’s any correlation with the prequalification tool in branch?









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 32 of 47
Valued Contributor

Re: BBVA Mailer

Another thought... I wonder if they SP a 2nd CRA and that's why it didn't work cuz the other 2 were froze...wonder if i unfreeze all 3 if the prapproval tool would work?

Anybody that the prequal did not work for have all 3 open?









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 33 of 47
Regular Contributor

Re: BBVA Mailer

I had all 3 open, but IDK what Agencies they SP’d. I do know that they only HP’d Experian when I applied for the card.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL
AMEX BCP - $10500 SL
BBVA Clear Points Rewards - $15300 SL
PayPal Mastercard - $6500 SL
Cap 1 Quicksilver - $1500 SL(DW’s card)
Credit One Platinum - $1500 (DW’s starter card)
Total CL - $51800

Cash back earned as of 12/1/19 - $1436

Less than 1% - Utilization at pretty much any given point

In the garden lettin’ ‘em grow!

FICO 8 Scores as of 11/28/19
747 Experian, 751 TransUnion, 758 Equifax

Goal cards:
Message 34 of 47
Valued Contributor

Re: BBVA Mailer

If and when you are willing to check your SPs, please report back. Thank you for responding. It is appreciated.









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 35 of 47
Regular Contributor

Re: BBVA Mailer

I’m not sure how to check my SP’s. I have monitoring that shows HP’s but I’ve never seen SP’s listed anywhere.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL
AMEX BCP - $10500 SL
BBVA Clear Points Rewards - $15300 SL
PayPal Mastercard - $6500 SL
Cap 1 Quicksilver - $1500 SL(DW’s card)
Credit One Platinum - $1500 (DW’s starter card)
Total CL - $51800

Cash back earned as of 12/1/19 - $1436

Less than 1% - Utilization at pretty much any given point

In the garden lettin’ ‘em grow!

FICO 8 Scores as of 11/28/19
747 Experian, 751 TransUnion, 758 Equifax

Goal cards:
Message 36 of 47
Moderator

Re: BBVA Mailer


@JNA1 wrote:
I’m not sure how to check my SP’s. I have monitoring that shows HP’s but I’ve never seen SP’s listed anywhere.

Obtaining your full reports from the CRAs, or from sites like annualcreditreport.com, would allow you to view the SPs.

Message 37 of 47
Regular Contributor

Re: BBVA Mailer

I gotcha. I pulled my reports from freeannualcreditreport several months ago, but this approval wouldn’t be listed on them.
I’m going to go back and look them over better and find the SP’s.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL
AMEX BCP - $10500 SL
BBVA Clear Points Rewards - $15300 SL
PayPal Mastercard - $6500 SL
Cap 1 Quicksilver - $1500 SL(DW’s card)
Credit One Platinum - $1500 (DW’s starter card)
Total CL - $51800

Cash back earned as of 12/1/19 - $1436

Less than 1% - Utilization at pretty much any given point

In the garden lettin’ ‘em grow!

FICO 8 Scores as of 11/28/19
747 Experian, 751 TransUnion, 758 Equifax

Goal cards:
Message 38 of 47
Regular Contributor

Re: BBVA Mailer

@Birdman7

I went back and looked through all my papers that came with the card, and it appears they used Experian Fico 9 and Experian Vantage Score 3, or at least that’s the 2 scores they sent me

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL
AMEX BCP - $10500 SL
BBVA Clear Points Rewards - $15300 SL
PayPal Mastercard - $6500 SL
Cap 1 Quicksilver - $1500 SL(DW’s card)
Credit One Platinum - $1500 (DW’s starter card)
Total CL - $51800

Cash back earned as of 12/1/19 - $1436

Less than 1% - Utilization at pretty much any given point

In the garden lettin’ ‘em grow!

FICO 8 Scores as of 11/28/19
747 Experian, 751 TransUnion, 758 Equifax

Goal cards:
Message 39 of 47
Regular Contributor

Re: BBVA Mailer

@Birdman7

I checked all my SP’s on all 3 bureaus, and I can confirm that BBVA only SP’d Experian. No SP’s from BBVA on TU and EQ.

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL
AMEX BCP - $10500 SL
BBVA Clear Points Rewards - $15300 SL
PayPal Mastercard - $6500 SL
Cap 1 Quicksilver - $1500 SL(DW’s card)
Credit One Platinum - $1500 (DW’s starter card)
Total CL - $51800

Cash back earned as of 12/1/19 - $1436

Less than 1% - Utilization at pretty much any given point

In the garden lettin’ ‘em grow!

FICO 8 Scores as of 11/28/19
747 Experian, 751 TransUnion, 758 Equifax

Goal cards:
Message 40 of 47
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