cancel
Showing results for 
Search instead for 
Did you mean: 

Time for a spree???

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Contributor

Re: Time for a spree???

Thank You @BrianEarl

 

 

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 11 of 22
Super Contributor

Re: Time for a spree???

Sorry if it was me. I dont walk on water and I make mistakes like every other person in this world. Many of us are here because we made mistakes in our credit life. Thats how we ended up here. I'll bow out.................





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 12 of 22
Valued Contributor

Re: Time for a spree???


@FireMedic1 wrote:

Sorry if it was me. I dont walk on water and I make mistakes like every other person in this world. Many of us are here because we made mistakes in our credit life. Thats how we ended up here. I'll bow out.................


LOL we're cool. I am not asking for myself. My credit is established. 

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 13 of 22
Senior Contributor

Re: Time for a spree???


@Brian_Earl_Spilner wrote:

@MaizeandBlue wrote:

Something is not adding up.  Your comment says that you only have one AU account on your credit report, but you signature line states a total credit limit of $172,800.  What happened to those accounts?


The question is for someone else other than the OP


Expository writing is a "thing." 





Message 14 of 22
Moderator

Re: Time for a spree???

Non-FSR comments have been edited/removed.  Just a friendly reminder to keep comments Friendly, Supportive and Respectful.   Thank you for your cooperation. 

Message 15 of 22
Community Leader
Senior Contributor

Re: Time for a spree???

The trick is to zero in on banks that don't ignore AUs (like Chase) and to get an unsecured card. Capital One and Discover would seem to be good bets. As mentioned, check the pre-quals.

 

I don't think the credit score is all that important in this case. What lenders are going to see is a report with a single AU. The one thing I'd watch for is utilization on that card. It should be at 28.9% or below. (EDIT: I see it's at 10%. That's good. Smiley Happy)

 

What does 24 years 4 months refer to? Is that the age of the AU card or the age of the applicant? What was the inquiry for? Did it result in a denial?

Message 16 of 22
Regular Contributor

Re: Time for a spree???

Only 1 account and it's an AU? That's the realm of picking one or two accounts to try to build some history, not a time to go on a spree. Unless one values getting a bunch of sub-prime accounts and scaring off the major lenders.

Message 17 of 22
Regular Contributor

Re: Time for a spree???

I agree check Disco and Cap1 prequal.  Even if Disco offers secured I would take it, it will graduate.  Cap1 secured will not.  Idk if Amex ignores AU accts or not, but you can try their prequal.  

Message 18 of 22
Valued Contributor

Re: Time for a spree???

Credit card pre-qual sites will not do anything to your reports or scores, so try them all and see who likes you.
Amex, Citi, Cap One, Discover all have this ability.

 

Let us know the results and we can help you a bit more from there Smiley Happy If there's a particular card of interest, let us know as well and we may be able to gauge your ability to successfully app for it.

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 19 of 22
Valued Contributor

Re: Time for a spree???


@HeavenOhio wrote:

The trick is to zero in on banks that don't ignore AUs (like Chase) and to get an unsecured card. Capital One and Discover would seem to be good bets. As mentioned, check the pre-quals.

 

I don't think the credit score is all that important in this case. What lenders are going to see is a report with a single AU. The one thing I'd watch for is utilization on that card. It should be at 28.9% or below. (EDIT: I see it's at 10%. That's good. Smiley Happy)

 

What does 24 years 4 months refer to? Is that the age of the AU card or the age of the applicant? What was the inquiry for? Did it result in a denial?


Yes, the AU card.

Inq was for a Cap1 card before the score and it was denied.

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 20 of 22
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.