Re: Should I App For BCP?

CK_Charles_Lover · ‎08-07-2012

Do it, I say approved! just a sp anyway. Let us know.

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)

AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)

FicoTron · ‎08-07-2012

I think I'm gonna do it later today. It just sucks that they pulled all of the sign up bonuses just a few days ago. I would have netted $150 which would have paid the AF for the first 2 years!

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12

hateAshbury · ‎08-07-2012

so how'd it go?

Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700

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FicoTron · ‎08-08-2012

It went smashingly well! I got approved a and got the $150 sign up bonus. I apped over the phone. 2k limit and not the best rate but I PIF so that's fine. I'll also get my EX Fico as a result.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12

iMacDrew · ‎08-08-2012

congrats, its a good thing you applied over the phone, because If you appd online without being signed it, I dont think it would have been a soft pull. that 2000 could turn to 6000 in 60+ days!

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703

FicoTron · ‎08-08-2012

I'm hoping so. Huge limits that I'll never use are my goal at this point.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12

creditnocash · ‎08-08-2012

congrats on the card!

if your approved its still a soft pull right?

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

FicoTron · ‎08-08-2012

No, they whacked EX hard. I knew that going in though, well worth it for this card.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12

creditnocash · ‎08-08-2012

ok so amex.

soft pull for cli and denials.

hard pull for new lines of credit?

im ok with that.

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

hateAshbury · ‎08-08-2012

any advice? I think my TU FICO is 731 and I have no idea what's on Experiean. I have two chargeoffs circa 2008 -- both paid off since

Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700

Take the FICO Fitness Challenge

Should I App For BCP?

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