Juniper oddity - update Jan 2nd

[MidnightVoice]

As part of our family financial strategy, DW applied on line for a Juniper card.  Early this year I applied and was given instant approval with a TU FICO of 780+.  The last time we pulled DWs TU, it was 800+, and her lowest current FICO is 758 (Dear EX  ).

Result - the dreaded 7-10 days.  Interesting.  The only reason I can think of is that she put down the truth - self employed - and that raised a question mark, or possibly that I already have a Junny card

But we will see.

She put me down as an AU, it was definitely AU, and they asked for my SS#, also interesting.

I will be pulling my reports later to see if I got a Hard pull!

Message Edited by MidnightVoice on 01-02-2008 08:53 PM

[Anonymous]

Junny is getting a little odd.  I had my son as AU on one of my accounts and he is was 13.  Separate card number but not  peep for his SSN.  Keep us posted.

Message Edited by Brammy on 12-25-2007 12:29 PM

[MidnightVoice]

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Brammy wrote:

Keep us posted.

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You might have to wait 7-10 days 

[Anonymous]

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MidnightVoice wrote:

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Brammy wrote:

Keep us posted.

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You might have to wait 7-10 days 

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I'd be mroe interested in knowing if they harded you. Or softed you for that matter.

[Anonymous]

I'm self employed and they took me in...
Though I called and spoke to someone and was reviewed on the spot.
I mailed in the app instead of online.

I only had a 700 and I still had a negative account on my report at the time.

They did feel obligated to lower my limit right when I did a balance transfer...because of inquiries (4 from them alone)...so I don't really have anything positive to say about them right now.

But it shouldn't be because of self employment.

[Anonymous]

I am SE as well and applied that way.

[SonorityGenius]

MV: With 800 ficos, why are you both getting Juny?!!!!

Especially since they are notorious for pulling 3 hards? 

I would go for the 800 elite cards -- Merrill+ offers 50k CL for 800 fico!

[Anonymous]

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SonorityGenius wrote:

MV: With 800 ficos, why are you both getting Juny?!!!!

Especially since they are notorious for pulling 3 hards? 

I would go for the 800 elite cards -- Merrill+ offers 50k CL for 800 fico!

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When did Junny start pulling three hards?  I have had two cards issued by them and NEVER got 3 hards.

[haulingthescoreup]

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@Anonymous wrote:
They did feel obligated to lower my limit right when I did a balance transfer...because of inquiries (4 from them alone)...so I don't really have anything positive to say about them right now.

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Now that IS a bit much, for a creditor to b*tch about excessive inquiries when they put them there!

[SonorityGenius]

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Brammy wrote:

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SonorityGenius wrote:

MV: With 800 ficos, why are you both getting Juny?!!!!

Especially since they are notorious for pulling 3 hards? 

I would go for the 800 elite cards -- Merrill+ offers 50k CL for 800 fico!

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When did Junny start pulling three hards?  I have had two cards issued by them and NEVER got 3 hards.

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Not sure, might be a recent trend, saw a couple of posts regarding juny - maybe an AA related pulls but still read tons and tons on their absurd CLDs and even closures and "suficient CL" messages accross a variety of high-end score spectrum even.