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@Meanmchinewrote:
@Remedioswrote:
@Meanmchinewrote:I know EXACTLY what is on my reports, I know my current util down to the nearest dollar, the reason why my scores are the way they are and when they will be going up. Synchrony didnt wake up yesterday and say "we are below quota on our random closings. Who is next up?" There is a reason why you were picked.
If you want a clue as to why Sychrony MIGHT have done this, google "Experian Bust Out" and see how many triggers you have
You hungry?
You treating?
Yeah, but don't pick anything expensive
lol
@Anonymouswrote:http://ficoforums.myfico.com/t5/General-Credit-Topics/Bust-Out-Score/td-p/5116259
That entire thread is well worth a read. Of particular note is the unfortunate fact that a lot of honest people who have no intention whatever of committing fraud might, unbeknownst to themselves, match enough of the warning flags of "bust out" to trigger alarms and consequent AA.
@Anonymouswrote:
My profiles are completely clean. I worked over the past year to clean them up. I actually didn’t get approved for my Walmart card until after all of that was removed and gone so it’s got to be something else for my issue.
But that could be something causing others some problems.
I don't mean to be rude but how is your score still so low if your profile is "completely clean"?
@Anonymouswrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.
Maybe my AAoA has something to do with it as well.
If you engaged in app sprees at that time, that could have been one factor, yes. I've been worried about applying for cards too quickly, and the shortest span of time I've ever done that in was when I got four cards late last spring/early summer in about a month and a half. Overall, I've gotten new cards at the rate of about once every other month since seriously beginning my rebuild (counting from November 2016 when I was approved for Amazon, rather than December 2015 when I got my Cap 1 secured), and since last July 1 when I was approved for Penfed Power Cash Rewards I've only gotten three new cards in the last nine months.
@Anonymouswrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.
Maybe my AAoA has something to do with it as well.
What did you do that was "a little crazy"? And how long ago? I suspect this might be the reason.
@Anonymouswrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.
Maybe my AAoA has something to do with it as well.
One of the best ways to streghten your file is to join the garden. Let your current tradelines age and grow. Dont go crazy hitting the love button or calling Credit Solutions. To many CLI attempts will spook any lender.
@Anonymouswrote:
I would assume mostly because my AAoA sucks. I really haven’t given it time to grow since when I was able to finally get approved for things I went a little crazy.
Maybe my AAoA has something to do with it as well.
What is the AAOA's? That is quite possible. I have a low Equifax FICO 8 of 729 because it's just shy 2 years for AAOA's. I have clean files. It was 736 but the Citi HP cost me.