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UPDATE - UPDATE
Thanks for all the input folks, I really do appreciate it.
Shortly after Equifax closed the dispute, I got all 107 points back. EQ Fico 8 jumped from 636 back to 743. This is the best I've seen my credit in quite a while. Ok, guess it's time to apply for my first credit card in over 5 years.
From what I've read about other people's approvals, I applied for a PenFed credit card thinking that a 743 EQ Fico 8, 85k before taxes should get me a decent starting limit. My only derogatory is the previously mentioned Verizon paid collection.
Equifax: Denied - EQ Fico 9 (671). We have carefully considered your request, but
were unable to approve it due to the following reason(s): • LIMITED CREDIT EXPERIENCE
Disappointed..
EQ Fico 8 - 743, Fico 9 - 671
@dafeagans wrote:UPDATE - UPDATE
Thanks for all the input folks, I really do appreciate it.
Shortly after Equifax closed the dispute, I got all 107 points back. EQ Fico 8 jumped from 636 back to 743. This is the best I've seen my credit in quite a while. Ok, guess it's time to apply for my first credit card in over 5 years.
From what I've read about other people's approvals, I applied for a PenFed credit card thinking that a 743 EQ Fico 8, 85k before taxes should get me a decent starting limit. My only derogatory is the previously mentioned Verizon paid collection.
Equifax: Denied - EQ Fico 9 (671). We have carefully considered your request, but
were unable to approve it due to the following reason(s): • LIMITED CREDIT EXPERIENCE
Disappointed..
EQ Fico 8 - 743, Fico 9 - 671
Post your current tradelines in credit cards for recommendations: starting with 2 decent secured cards with minimum deposit is basically fool proof vis a vis Discover and BOFA though there may be better ones now.
If you have no open credit cards, and I'm assuming if you took that large of a drop from the dispute on the collection you probably don't have much in the way of positive tradelines reporting... and the Penfed deny reason pretty much confirms that.
It isn't just about the score, not all scores are created equally but it's interesting to see the FICO 9 score in comparison to your FICO 8 and it's probably tradeline history related. I'd be curious to know what your file has on it too in terms of open/closed/derogatory too FWIW.
Revelate, thanks for the input. I really do appreciate it.
Thanks Birdman7. I'm learning more every day. Thanks again for the input.