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Paid off PNC loan, immediately approved for new loan!

Talonwildstar
Regular 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 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 1 of 7
6 REPLIES 6
tcbofade
Super Contributor

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

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

06/01/21 Fico 8: EX 735, EQ 753, TU 757.
06/05/21 Fico 9: EX 726, EQ 740, TU No idea.

Zero percent financing is where the devil lives...
Message 2 of 7
CreditInspired
Super 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


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 7
Talonwildstar
Regular 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 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 4 of 7
Talonwildstar
Regular Contributor

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

Thank you for responding ! I appreciate that!


AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 5 of 7
joltdude
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
Talonwildstar
Regular 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 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 7 of 7
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