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Since working on my credit in the summer of 2016, I've gotten my scores from high 400's into solid 700 territory. Started with a 200 dollar limit on a secured Disco, and went from there. As it stands now, I have a CSP for 10k (just got the CL double automatically), 4k on an Amex Blue, and 1,700 on a NFCU. I got all of those in December, along with a car loan. Never late, util at 14%. Called Disco and told them how much I thought of their It card, but now that I've grown in my credit, I really needed a larger CL to even justfy using it at all. Was told no. Then I went on a mini app spree. BofA was pre-qual, but I was declined. NFL Extra Points is 'pending', as is Wells Fargo Propel, which is the bank I bank at. The only positive is that CO approved me for a QS at 5k. But other than that, what gives? Anyone know reasons I would have been almost-universally rejected? Are those two 'pending' cards pretty much declines?
Congratulations on what you've accomplished in such a short time.
I think you've probably hit a point where lenders are noticing inquiries and new accounts. They might also be taking note of the fairly substantial cumulative limit that you've accumulated.
This is probably a good time to garden for six months or a year to let things settle.
Hi @mysterythemoon, I've removed/merged your identical thread. Please refrain from cross-posting; it's confusing to follow and is against the forum's Terms of Service.
Thanks for understanding,
--UncleB
myFICO Moderator