Starting Score: 800
@youngandcreditwrthy wrote:
just hoping the mods can make an announcment or say/do something to remind ppl.
This isn't likely to happen, unfortunately.
The current mods generally don't participate in the community, they're only around to do housekeeping and make sure the Terms of Service (as established by FICO) are followed. There's nothing in the TOS about having to provide data points, so it's not likely to ever be mentioned. 
For what it's worth I agree that providing data points would be helpful and in the spirit of why we're here. 'Back in the day' the old mods did try to encourage folks to provide data points and additional information (and many folks did), but even then it was only something we could ask for.
Agree that DPs are very helpful...I relied on the data from others to gauge where I stood when I was in the midst of my rebuild. Another suggestion...ask the person for DPs, and if possible ask them to edit their original post with them so they aren't buried in the thread.
"I understand some financial info is sensitive but even just giving scores is being skipped."
Not everyone has all those data points you want. I just recently posted about getting approved for the USB Platinum card. The app was a fluke and I have NO clue what my actual FICO score was at that time. FAKO scores aren't helpful. I used to subscribe to a site membership for the scores and quarterly bureau reports but now that I own a home and have no need to buy a car in the next 6+ years I cancelled the subscription as it seemed a waste of $30/month. I subscribe to the belief that if you manage your debt your FICO score is the least of your concerns.
I did include the two biggest data points as far as I am concerned regarding my approval which is I have been in the garden for almost 2 years which means inquiries were not a concern and that USB services my mortgage and REALLY is chasing me as a customer. I see quite a few posts about them being picky about approvals or stingy about credit lines but my experience with them has me convinced that your existing relationship with them matters more.
As far as the other data points unless someone gets denied they may not know what the FICO was that the lender used vs. what a membership told them their FICO was. We get more data in a denial vs. an approval. I know with my approval it simply took about 30 seconds and said congratulations. No data points on why they approved me they just did and here is how much of a CL you got. In the end whether someone apps for a card is highly subjective and needs to be done based on their credit needs, the value of the product and the reality of what they know about their own profile. Carrying huge balances, and have a few lates? AMEX and other prime cards probably a long shot. Have a solid relationship with a bank: they might over look some small issues other banks would give a hard no on. Carry balances but have a good payment history Cap1 will be happy to give you a card they love collecting interest. Are there outliers? Always but still the value of the product you want should help you decide if the HP risk is worth it.
Ask.
I have been asked questions like "what was your stated income?" and "How many inquiries did you have?" when I've posted an approval. Sometimes I'm just excited about the new card or the CLI and don't think about what might help others trying to get the same thing, but I'll respond to questions in the thread. I have also asked others such things when they got cards that I wanted.
Sometimes I fire off the "Yay me! I got this card!" And then maybe later I come back and edit the post to include DP that I think are relevant.
Most of the info is in my signature, but signatures and scores and x/6, x/12, x/24 info changes. So when I'm digging through multiple old posts from a search about a card I'm interested in, the person's current signature may not tell me much about their situation when they got this card two years ago. So yes, this is about exchanging information, but sometimes you have to ask for the info you want. In times past, it was common to see a post about "I got XYZ Mega Visa!" And then the second or third post down would be someone asking "Care to provide us some DPs?" Maybe we need to get back to asking for more info in those threads to get things trending back in that direction.
EQ8 775, TU8 764, EX8 776 as of August 16