cancel
Showing results for 
Search instead for 
Did you mean: 

Paid off PNC loan, immediately approved for new loan!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Contributor

Paid off PNC loan, immediately approved for new loan!

Hi all this forum and information here has helped me immensely, I started a credit rebuild 18 months ago, with a 200.00 amazon prime CC, I now have 52,000 plus in CC availability... I just paid off a 4500.00 PNC personal loan that took 3 weeks to get approved, and I was approved in less than 3 secs for a new 7500.00 PNC loan... I have for the first time in my life got prime interest rate on a car loan instead of subprime!  I’m so happy! Good luck to all!


AmEx BCE 10k
PNC points visa 4k
CapOne QS1. 1.5k
Citi DC. 1.5k
Discover it. 2k
Am Ex Gold
Kohl’s. $1.5k
Amazon Store. 4.5k
Overstock. 13.6k
Boscovs. 14k
Total CL. 52,600
 
PNC personal loan 4500 down to 1250
 
oldest credit 18 months, newest 5 months
* 2% card utilization 





As of 11/1/18




As of 1/1/19



As of 5/1/19
Message 1 of 7
6 REPLIES 6
Super Contributor

Re: Paid off PNC loan, immediately approved for new loan!

Congrats on your great progress!  Feels good, doesn't it?  Smiley Happy

Last inquiry 31 January 19. Going for Gold!

Zero percent financing is where the devil lives...
Message 2 of 7
Community Leader
Senior Contributor

Re: Paid off PNC loan, immediately approved for new loan!

Congratulations OP on your successes over the last 18 months.

 

Moving on up to the big times. For some reason, this silly song started playing in my head. Smiley Happy

GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 7
Contributor

Re: Paid off PNC loan, immediately approved for new loan!


@tcbofade wrote:

Congrats on your great progress!  Feels good, doesn't it?  Smiley Happy


It sure does thank you!


AmEx BCE 10k
PNC points visa 4k
CapOne QS1. 1.5k
Citi DC. 1.5k
Discover it. 2k
Am Ex Gold
Kohl’s. $1.5k
Amazon Store. 4.5k
Overstock. 13.6k
Boscovs. 14k
Total CL. 52,600
 
PNC personal loan 4500 down to 1250
 
oldest credit 18 months, newest 5 months
* 2% card utilization 





As of 11/1/18




As of 1/1/19



As of 5/1/19
Message 4 of 7
Contributor

Re: Paid off PNC loan, immediately approved for new loan!

Thank you for responding ! I appreciate that!


AmEx BCE 10k
PNC points visa 4k
CapOne QS1. 1.5k
Citi DC. 1.5k
Discover it. 2k
Am Ex Gold
Kohl’s. $1.5k
Amazon Store. 4.5k
Overstock. 13.6k
Boscovs. 14k
Total CL. 52,600
 
PNC personal loan 4500 down to 1250
 
oldest credit 18 months, newest 5 months
* 2% card utilization 





As of 11/1/18




As of 1/1/19



As of 5/1/19
Message 5 of 7
Community Leader
Senior Contributor

Re: Paid off PNC loan, immediately approved for new loan!

Congrats on paying off a good sized loan.... and being pretty much instantly approved for a larger one.. thats what good credit can get you...

 

-J

Message 6 of 7
Contributor

Re: Paid off PNC loan, immediately approved for new loan!

Thank you, it sure felt good the lady at the bank did a double take when she said “wow it’s already approved” I guess 3 sec is quick!!! It shocked me too!!

AmEx BCE 10k
PNC points visa 4k
CapOne QS1. 1.5k
Citi DC. 1.5k
Discover it. 2k
Am Ex Gold
Kohl’s. $1.5k
Amazon Store. 4.5k
Overstock. 13.6k
Boscovs. 14k
Total CL. 52,600
 
PNC personal loan 4500 down to 1250
 
oldest credit 18 months, newest 5 months
* 2% card utilization 





As of 11/1/18




As of 1/1/19



As of 5/1/19
Message 7 of 7