scores great no approvals

[seattletravels]

If you have a relationship with a credit union, you should try opening a credit card with them.

[CreditInspired]

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@coldfusion wrote:

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@JNA1 wrote:
Have you tried the pre-qualification pages for Discover, Citi, Capital One, Apple card, BB&T, Deserve, etc? Most of the prequals for those sites are solid.

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Denials beget denials. OP needs to cool their heels for a while, at least 6 months.   If the Spark is used appropriately and paid promptly it can act as a small crowbar when it's time to take the next step.

Even though the Spark is a business card it reports to ones personal profile. 

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+10

If I were OP, I wouldnt apply for anything until that notice about some type of fraud is addressed. 

EDIT: ok, it makes sense that it's tied to credit seeking. 

[Anonymous]

Now I'm wondering what a great score is... hmmm

[CreditInspired]

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@Anonymous wrote:

Now I'm wondering what a great score is... hmmm

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When I first started being cognizant of my FICO scores (2016), I was at 640 and for me personally, I saw that as yucky. It was time to dig my heels in and get to work. 

My goal was to get to 700 in order to feel I had accomplished something. Even then, for me, I still saw this as a fair score since 850 appeared to be eons away and an uphill battle. 

When I got to 720, I felt my score was great, but not Tony the Tiger "Great!" 🤣But I was also in competition with a girlfriend who had 740-range scores. So I felt my scores would be great when I accomplished that. Envy works every time 😂🤣😆

So when my 10+ year tax lien fell off my reports at the end of 2017, and I go a huge bump (59+) across the board, finally then I felt l could finally see the mountaintop. 

But in no time, my AAOA dropped ferociously due to multiple new inquiries. And my scores were dropping slightly. Ugh! But I kind of held things at bay by having ultra low UT. My scores dangled between 777-797 for the longest time. Then, one report would get to 801 and drop again. So my new goal was to get and stay at 800s across the board. 

So a "great" score for one is totally different than what is a great score for someone else. I'm guessing it depends on one's individual struggle to get to their magic number to believe their scores are great.

Finally, I got to my magic numbers and I now feel Tony the Tiger GRRREAT! 😉

[Anonymous]

Great info. Thanks for posting! I guess we know what feels right for us at the time. I seem to go in spurts... happy with where I am, then back to working toward 820s.

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@CreditInspired wrote:

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@Anonymous wrote:

Now I'm wondering what a great score is... hmmm

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When I first started being cognizant of my FICO scores (2016), I was at 640 and for me personally, I saw that as yucky. It was time to dig my heels in and get to work. 

My goal was to get to 700 in order to feel I had accomplished something. Even then, for me, I still saw this as a fair score since 850 appeared to be eons away and an uphill battle. 

When I got to 720, I felt my score was great, but not Tony the Tiger "Great!" 🤣But I was also in competition with a girlfriend who had 740-range scores. So I felt my scores would be great when I accomplished that. Envy works every time 😂🤣😆

So when my 10+ year tax lien fell off my reports at the end of 2017, and I go a huge bump (59+) across the board, finally then I felt l could finally see the mountaintop. 

But in no time, my AAOA dropped ferociously due to multiple new inquiries. And my scores were dropping slightly. Ugh! But I kind of held things at bay by having ultra low UT. My scores dangled between 777-797 for the longest time. Then, one report would get to 801 and drop again. So my new goal was to get and stay at 800s across the board. 

So a "great" score for one is totally different than what is a great score for someone else. I'm guessing it depends on one's individual struggle to get to their magic number to believe their scores are great.

Finally, I got to my magic numbers and I now feel Tony the Tiger GRRREAT! 😉

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