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Preparing for BCE App *UPDATED*

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Brandnick
New Contributor

Re: Preparing for BCE App *UPDATED*

They usually pull Ex but sometimes they us TU for as backup 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 21 of 31
armbenderc
Valued Contributor

Re: Preparing for BCE App


@jake619 wrote:

I couldn't help myself... I did it.

 

Filled it out and got this:

Hit up the status page 2 minutes later and got this

Called the backdoor number and the Rep said I was approved for a $3400 CL.  Rep said only TU was queried but refused to provide the FICO.  I thought that was odd since so many see AMEX hit EX.  Who cares, I'm back in with AMEX.  Happy days!


OMG! Congrats, may I ask how many INQ did you have?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 22 of 31
jake619
Frequent Contributor

Re: Preparing for BCE App *UPDATED*

TU had 2 in last 24 months
Message 23 of 31
Anonymous
Not applicable

Re: Preparing for BCE App *UPDATED*

Congratulations!

Message 24 of 31
jake619
Frequent Contributor

Re: Preparing for BCE App *UPDATED*


@jake619 wrote:
TU had 2 in last 24 months

Correction, I misread.  6 total broken down as:

1@ 2mo

1@ 22mo

4@ 24mo

Message 25 of 31
jake619
Frequent Contributor

Re: Preparing for BCE App *UPDATED*

Still awaiting card in the mail.  I created my profile on the website and it asked me for card data.  Since I didn't have it I just closed out.  Today I logged in for grins and somehow it doesn't care about the card data anymore and I saw the best news yet:  THANK YOU FOR BEING A CARDMEMBER SINCE 1995!  

 

THAT made my day.

Message 26 of 31
MountainHiker
Established Contributor

Re: Preparing for BCE App *UPDATED*

Very nice! Congrats

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 27 of 31
Repo-ed
Senior Contributor

Re: Preparing for BCE App *UPDATED*

pretty rad

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 28 of 31
Jutz
Valued Contributor

Re: Preparing for BCE App *UPDATED*

Jealoussssssss

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 29 of 31
Bay_Area_Joe
Frequent Contributor

Re: Preparing for BCE App *UPDATED*

 

Today I got my Green Card.  Set up account online and BAM>>>>   Member Since 1991 shows up.

 

I can't wait for this to hit my credit reports.

 

How will it take to show this on my reports ?

 

And does it matter that the actual card says 13 vs 91 ?

 

Thanks

About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 30 of 31
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