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Thanks again! I hope they do as well. That will end my quest for a new card, Then I can garden from here on out.
@fixmycred14 wrote:Thanks again! I hope they do as well. That will end my quest for a new card, Then I can garden from here on out.
Looking at your scores your not far you just need to catch a break on CR's
Time heals all
Really? Good I'm glad! Repairing takes a real toll. Credit is on my mind 24 hrs a day. So at first new cc drop your score then boost it? Do you think I'll be approved for limits comparable to my nrewards? At least BoA unsecures...
definitely keep both accounts. They will both age at the same time. You took the HPs for both already and even though it will hurt your AAoA at the moment you will be better positioned for prime lenders a year from now.
Okay, thanks. We'll see what happens...
Update - Cap 1 approved waiting on BoA
@fixmycred14 wrote:Hi myjourney --
Don't scold me lol! I didn't listen to you and now I'm so sad I was declined.
I know I know...they are quick to report but not update/delete. Two are small and I've offered PFD to no avail. I don't want to give up and just pay but I'm growing tired everyday of the games. These people seem to get a thrill from holding me financially hostage. The third is virtually impossible. It's a nearly 7 yr old repo. Just my luck... they pulled the one and only report that has the CA on it. Sigh...I really want a prime card to garden.
I was initially given the 7-10 day message, but then I decided to call the next day . He said I was declined because of my BK 8 years ago. He asked, I didn't ask, if I wanted him to review my application. I said yes please. He then asked me specifically about my BK and why I filed. I said it was probably unnecessary at the time, but I just wanted a clean start. He said what have I done to not have it happen again. I told him I have a better and more stabile job now. He said he would be right back. I was approved for $5000. My card should arrive this week and I will immediately ask for a CLI. I've been pretty lucky so far with my approvals and CLI's.