I have been rebuilding and all with the help of myFico! This site has been amazing with its wealth of information. See started divorce in later part of 2009. Anyway, I thought that I was totally unscathed! But as you know there is always that one thing and in my case it was not small and I thought the worse so I did not want to address my credit etc. Rather stick my head in the sand etc. Had I been paying attention the scrapes I got would not of hurt my score so much. Coming back from mid to high 500 score on up to where I am today (trust me would be even higher if I did not have a rebuild app spree)
So couple of months ago during app spree I apped for Discover It (the card I desired the most cause it fits me to a T! Saw my Equifax at 695 so went for it .. approved immediately for 3.5K. Woo Hoo !
Citi AAdvantage – apped based on an invite and did not realize that Citi can be picky.. so me being clueless app’d ! Approved immediately for 4.5K!
I app’d for some other cards .. BoA a bit of a disappointment. I had banked with them for years until they closed there banks and transferred customers to another bank. I thought no problem. Nope declined but told approved for the $99/$500 which I did because I don’t want to waste the hardpull.
Went for a Cobrand of Chase Amazon .. that seemed like forever. Got the 30 day then changed to the 7-10 … but that just meant letter in the mail to call in to validate. I was approved once called in immediately for 2K .. this before the 5/24 came in to play for the cobrands.
Prior to this end of 2015 I was approved for a Cap Platinum which I just rolled into my Cap QuickSilver1 giving a total line of $1250. I hate the small balances and they were not increases my credit limits until those 5 month marks.
I have a 2nd most coveted card which is the Amex BCE. Which I was declined .. for the life of me I did not have too many queries at the time. My scores were good. It could be the newness of very thin file at the time. I was kind of hurt and really wanted to recon. Maybe I still can don’t know .. it kills me cause this was the 2nd card so interested in… so I may have to garden and wait minimum of 6 months to a year. IS THERE THAT ! CARD THAT U JUST CANT GET THAT KILLS YOU .. this is it for me.
Now for the one before the Garden.. PenFed. I have been reading on them for months. Then I saw that data-points thread when it was at 110 pates long. I read that in one sitting and I really wanted to app for it but was little shy since declined by AMEX and because I only could get $99/$500 from BoA. So I went for it .. no guts no glory.
Beautiful you can app on the same HP for an entire 3 months unless it is something more involved like a mortgage .. and sometimes I read for a PLOC but most times they use the same pull. I really wanted a Credit Union for all the possibilities that they can offer when in need. I thought that this could help round out my cards. They are generous with their limits. I can recon on the starting limit. I don’t know if I even want to do that or not… maybe I should call and ask. But honestly it is more than enough for now. I may app for a PLOC with them as well. Because it would be on the same hard pull. Please see my data-points. So far impressed with their communication etc. I am in the Garden unless Amex is reading this and wants to send me a pre-approval. LOL. In my dreams I have a one. Giggles.
Product approved and Limit: PenFed Platinum Rewards Visa Signature Application/$7K
EQ Fico Score: Fico 8-----674 Penfed Nextgen Score: not a clue ( I looked everywhere to find) (I'll come back and let you all know when I do)
Instant or Review?: Review if you want to call it that .. it was literally like 5 minutes and immediately got an email to check my approval.
AAOA: 3 Years, 6 Months
Derogs?: 1 (mortgage 120+ DAYS PAST DUE - I was a quick-quit-deed - ex husband went late before my name went off mortgage.. so he could qualify for fed-modified loan which they foreclosed on him in the end (I thought initially I went down with him but was out of the house 3 years already. I took the hit to my credit until he got me off the mortgage. cleaned up everything but this I could not apx 4 years old)
Total EQ Inquiries: 4 Last 12 months: 4
Last 6 months: 4 New Accounts
in last 12 months: 8
Last 6 months: 7