I had been impatiently waiting for my mortgage refi to close Fri before applying for a few new accounts. So, Sat I pulled the trigger online for the three accounts I’ve been planning. All told it was a fairly successful weekend, with a few blunders on my part:
AmEx Green Rewards – approved (now I have to call CS and have my account re-dated to 1988)
Addison Avenue Platinum Cash Back Visa – approved 10,000 CL @ 5.24% (after calling CS)
Alliant – 3-5 days. I screwed up a security question (couldn’t remember my old phone number)
When applying at Addison, I should have applied through the CC app, not the share account. I had to call CS and apply for the credit card separately. The rep said the membership app was only a soft, so hopefully I only used 1 inquiry. I will pull a report later today to confirm.
Prior to apps: EQ 750, TU 762, EX 750
5 inquires in 12mo (2 from mortgage app 3 weeks ago)
1 (30) day late 3 years ago
1% util, 1 new account in last 3 years
Thanks Mike. I'll let you know.
YE: Yes I'll have to call. My account was closed around '92 and no longer shows in their system. I have copies of credit reports from '96 that will have to be faxed in.
Side note: AmEx pulled EX only, Alliant pulled EQ only. Addison must have pulled either TU or EX because I just pulled an EQ report and nothing shows. The alert should arrive tonight.
After faxing 3 proof of id's and 2 phone calls I was approved for membership. I had to waste another inquiry to request the platinum visa rewards account. After emailing 2 pay stubs........... Approved 10,000 CL!
I'd been planning to do this once some of my 7 inquires fell off, but I thought since the new accounts hadn't post, wth .After my recent success, I decided to go ahead and app PenFed now.
Instant Approval: $10,000 Cl.