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US Bank premier line of credit approved- data points

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New Visitor

US Bank premier line of credit approved- data points

Hello,

 

online app, 20 seconds in the system once enetered.

Approved today for 15K intially, called and reconned on the same pull for 21.5K.

They pulled TU for the west coast state and was a hard pull.

exisising cash plus for approx 10 years (15K limit). 

Also have savings and checking account with them. Direct depost to checking twice a month.

Fico was 70X approx late last week and wouldnt have changed sense then.

Util approx 29%, three outstanding personal loans, no other loans, six digit income, no defaults/baddies. 

 

Feel free to ask any questions if you have any.

 

Message 1 of 6
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Community Leader
Valued Contributor

Re: US Bank premier line of credit approved- data points

Congrats on the approval.  From my experience, I know they pulled my TU 4 mortgage score for the Premier Line.

 FICO 8
Message 2 of 6
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Established Contributor

Re: US Bank premier line of credit approved- data points

What’s the APR ?

July 31/2019. EX-712. EQ-704. TU-726
Dec 16/2019. EX. 721. EQ. 723. TU 746
Aug 8/2020 EX. 728 EQ. 714 TU 744
Sept 18/2020 EX. 728 EQ. 726 TU 752
Inq. EX 6 EQ 4 TU 2 - - CC 5x24, 1x12
Amex BCP $20k - Apple GS $15k - BMW/Elan $5k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase United Club Infinite $20k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $20.5k - HSBC Gold - $10.5k - Wells Sig Visa $12k
Message 3 of 6
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Community Leader
Valued Contributor

Re: US Bank premier line of credit approved- data points


@RSX wrote:

What’s the APR ?


Currently 12.25%

 FICO 8
Message 4 of 6
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New Member

Re: US Bank premier line of credit approved- data points

What number did you call to recon the starting limit on the premier line of credit?
Message 5 of 6
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Valued Contributor

Re: US Bank premier line of credit approved- data points


@shorttimer wrote:

Hello,

 

online app, 20 seconds in the system once enetered.

Approved today for 15K intially, called and reconned on the same pull for 21.5K.

They pulled TU for the west coast state and was a hard pull.

exisising cash plus for approx 10 years (15K limit). 

Also have savings and checking account with them. Direct depost to checking twice a month.

Fico was 70X approx late last week and wouldnt have changed sense then.

Util approx 29%, three outstanding personal loans, no other loans, six digit income, no defaults/baddies. 

 

Feel free to ask any questions if you have any.

 


Nicely done -- especially the recon. Congrats!

And thanks for the DPs.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
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