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Couldn’t find a thread, so starting one for general stats and approvals. It seems rebuilders are hunting for info.
One day app spree:
CapOne - $500 SL
Citi - $400 SL
First Progress - $500 SL
First Premier - $200 SL
TU & EQ: 500 FAKO
EX: 490 FICO
5 open collections
Let's keep this thread going!
Discover IT Secured Approved 10-18 $1,000.00
546 FICO Pulled EX
(3) collections, (8) 4.5 year old CO's
NFCU nRewards Approved 9-16 $1,000.00
480 FICO 09, Pulled EQ
(3) collections, (8) 2.5 year old CO's
Congratulations on your approvals!
This denial might save someone a hard pull in the future
Denied 9-2018:
Corporate American Family CU Secured Card
579 TU FICO, Hard Pull
Stated that I would need to clear up all derogs first. I would be in the upper 700s at that point.
This taught me to call first and ask about requirements! Useless for rebuilders, do not waste a HP.
Opensky Approved $500 6/30/2018
No pull
4 collections
I chose Opensky because I had been straight up declined or not-preapproved for other secureds (Cap1, Disco, etc).
US Bank Approved $500 8/8/2018
583 EQ/586 TU FAKO - Pulled EQ
3 collections
Citi App'd 9/6/2018 approved 10/3/2018 $1000
FICO: 610 EX/657 EQ/607 TU, Pulled EQ and EX
2 -120 late; 0 collections
Discover It - 9/28/2018 SL: $1400
FICO: 652 EX/655 EQ/640 TU; Pulled EQ
2 -120 late; 0 collections
Went to apply for secured for my third card but the prequal site gave me unsecured (huzzah!)
Citi was weird - I have a fraud alert on my file (one of the previous collections I had taken off was a fraudulent account), so they called and left a code for me to call them back with to verify my identity. When I called back to give them the code, they told me I was denied. My denial letter stated failure to verify my identity. I called them back to ask what they needed since the code wasn't enough. They asked for the code again (thank goodness for journaling!) and said I was approved. Got the email with approval, instructions on funding the secured account and was good to go after that.
@calyx wrote:US Bank Approved $500 8/8/2018
583 EQ/586 TU FAKO - Pulled EQ
3 collections
Citi App'd 9/6/2018 approved 10/3/2018 $1000FICO: 610 EX/657 EQ/607 TU, Pulled EQ and EX
2 -120 late; 0 collections
Discover It - 9/28/2018 SL: $1400
FICO: 652 EX/655 EQ/640 TU; Pulled EQ
2 -120 late; 0 collections
Went to apply for secured for my third card but the prequal site gave me unsecured (huzzah!)
Citi was weird - I have a fraud alert on my file (one of the previous collections I had taken off was a fraudulent account), so they called and left a code for me to call them back with to verify my identity. When I called back to give them the code, they told me I was denied. My denial letter stated failure to verify my identity. I called them back to ask what they needed since the code wasn't enough. They asked for the code again (thank goodness for journaling!) and said I was approved. Got the email with approval, instructions on funding the secured account and was good to go after that.
Your score jumps are beautiful. Fingers crossed for that kind of magic.
Thanks! It's a testament to going through your report with a fine toothed comb. I'm fortunate enough to make enough money to pay cash for things (post divorce my credit took a hit and I just gave up on it), but unfortunate enough to not have realized til now that I really needed to rebuild a credit profile. Now for the slow march to better scores and cards
Wife was just approved for a $1,000 FNBO Secured Card. Applied Friday, and received an email today stating card would arrive in 7-10 days. Money has not beeen taken as yet. Six days total for approval.
Data Points
Pulled EX Immediately: 570 FICO 08
3 Collections, one newer two 2.5 years old. ( each 2.5k to 4.5k)
6 charge offs, 4.75 years old.
2 years of on time payments on NFCU Secured Card and new paid down to 8% SSL
10/20/18 approved for Credit One unsecured with $300 limit, Fico8 scores at the time were EX 541 / TU 490 / EQ 555.
11/16/18 was approved for Discover secured $200 limit, they pulled EX score 575.
I was discharged from ch 7 bk on 10/12/18.