im actually embarrassed of my scores this month. Fico 8 648 TU 637 EQ 618 Ex (CCT FICO 8 scores) UTL at 29%. Although usually im at 9 percent and under only on one card, i have a macbook pro sitting on one of my cards because of 0 interest for the next 6 months.
had a utility bill collection come out of no where for 121 dollar from 2014 address. Utility company did not turn off my power on the date i asked and i lived in the model home version wehre they leave the lights on 24/7 for showing. they have already admitted fault and will have to back track and adjust bill and remove from reports.
**8/12/16** still Applied for NFCU cash rewards anyways. approved for 5000 visa signature . Recon through secured message from 2400.
**8/13/16** Today applied for AMEX BCE because of the intro offer. I did not care, i have 0 experian inquries , not smart but took a chance. had nothing to lose. 2000 approved!
then Applied for discover after i saw my younger brother applying when he just had a collection updated, a charge off in 2012. short AA of A. his FICO TU was 612 his EQ was 610.. i told him not to and that he was an idiot.
he got approved for 1000 discover IT card. Couldn't believe it. so i tried.
I got approved instantly 2000 Discover IT. I chose the copper color card.
I could not beleive i got an amex and discover card and both in one day. both of these cards , ive been scared of apping even when i had scores of 690s all acrros the board last month. Most surprised at amex. i love their online chat feature and already linked 4 banks to it and i will treat it like GOLD! cant wait until the 3x CLI.
**before anyone ask, the Amex BCE was not modified terms. I was approved for the full intro offer. Approved in about 50 seconds instantly **