Fico forum?

Getting approved for a new credit card can be so exciting, you want to tell the world about it. My name is Dima, and I'm from Ukraine, residing here for two years. Bureau Pulled: Equifax. My utilization was pretty high, above 80%, but essentially is now 0, but since everyone hasn't reported the last payment, it is still around 36%. I got pre-approved for $4000 SL, but I denied it as it was too litttle. Starting Score: FICO8s 505ex, 508 eq&tu. When deciding to close a CC there is two important things to consider. It’s always helpful to get a little advice before committing to an auto loan. So the other night I thought I would just try for a CLI. Meanwhile, I went and applied for the Venmo Visa and got a $16K limit. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822. Some of these were seemingly impossible for creditors like Bank of America, Chase, AmeriCredit, Target, Capital One, First Premier, and CAs like Arrow Financial, AFNI, NCO, and many more. Decided to pull the trigger on the CFU and after 5 days of waiting, approved. Congratulations on your BofA CCR approval! It's an overall solid card! Last month, I applied for and received the Bank of America Unlimited cash rewards and was approved for a $22,500 credit line. Lately, I - 6501155. by SunriseEarth on ‎08-15-2017 02:10 PM Latest post on ‎09-14-2016 04:18 AM by SunriseEarth. One such invaluable resource is Wordreference Th. Congratulations on your Active cash credit card from Wells Fargo. Expert Advice On Improving Your Home. The alert gave you a notification on a change, and the alert includes a fresh FICO score. Budgeting/funding EVERY available category in your plan is key, I think. FICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring. This is your place to do just that 6 days ago · This is the place to share mortgage and home equity loan information. **Little back story**. 3 Replies 42333 Views This is the board for you. I was approved for the Platinum Rewards Card, yay me!!! Eq - Fico Score 9- 686 1 collection ($371) Now to go for the cli on PCR though I'm quite satisfied where I'm at, $14,000 Hello all, Penfed seems to like me. Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727. Any AU cards you have to ask to have expedited but it's automatic for the first one. If the only credit one needs for one's business is a business credit card, one can qualify for business credit cards by just having good personal credit. Cashing in on the rewards potential of credit cards relies on one k. Oops! Did you mean. I immediately thought I was denied. Citi offered balance transfer and temporary card number with a portion of the credit limit available immediately at the end of the. Average: 5years. This is your board to chat about the application process, denials. I'm finally apart of the Amex family. 0 to replace the old mortgage scores, but they're still in the comment phase. Computer etiquette is the proper way to communicate while interacting with people online. This compensation may impact how and where products appear on this site. Literally shocked as my EX Fico score was 527 at the time of pre approval on their prequal site. New benefits include CLEAR membership, $300 equinox credit, $240 entertainment credit (for Audible, Peacock TV, and NY Times), $200 fine hotel credit, and private jet program. Also, as mentioned upthread, yes, we'll need a complete breakdown of all accounts on your reports, both good and bad, before we can help you build a plan. Amex Gold - Approved!! To my surprise I was just approved for the Amex Gold card with 90k sub after 6k in spending in 6 months! Data points are as follows; Tu - 677 fico and 726 vantage (have no idea why the difference) Eq - 673 fico and 667 vantage. All AMEX Plat primary cardholder cards are expedited. I actually closed an account after application. Your actual score, and the impact of. I opened a savings and checking account with them in 2018 and just left it there. A FICO credit score is a number that ranges from 300 to 850 and represents an individual's creditworthiness. If you’re a musician who loves playing the acoustic guitar, you may be looking for a way to connect with other like-minded individuals who share your passion. It's in the "Statements and Activities" section of the website for your card. I can certainly understand your hesitation. I never expected it to be honest. I just got an Upgrade offer as I was a previous customer during re-build couple of years ago Installment loan rate is higher than I wanted I think they pull TU. Are you craving the flavors of India but don’t know where to find authentic ingredients? Look no further. The WF Active Cash has a SUB of $200 if you spend $500 in the first 3 months. My highest limit is a cap1 $4000 Surprisingly I was denied outright which knocked me down to earth. Today I was approved for their Flagship card with a $9k SL! My Data Points: Joined Navy Federal in October 2022. Back in 2017 I did a ton of research into business credit building, started building business credit, and then redirected my energy elsewhere. It's very difficult to simulate. Go for the card that you want and hopefully you'd find the most useful. Update 03/02/2017 - The following information discusses requesting your first 3X CLI 61 days after account creation. And just got a Capital One quick silver $3000 limit opened couple weeks ago. Want to escape the news cycle? Try our Weekly Obsession. - New cards can be applied for at least 91 days/3 full statements after the last one. I got an account with Navy Fed a year and some change ago and opened a secured account with them. If you have say paid it down from $18k to $5k, your monthly installment payment is still the same. Instantly approved 4k - Soft Pull. I just got an Upgrade offer as I was a previous customer during re-build couple of years ago Installment loan rate is higher than I wanted I think they pull TU. DTI is ~10% currently My two auto loans in the past were for $12k and $25k. 2) be careful, this will likely show up as revolving credit, much like a credit card. **Little back story**. New benefits include CLEAR membership, $300 equinox credit, $240 entertainment credit (for Audible, Peacock TV, and NY Times), $200 fine hotel credit, and private jet program. You can also use your User ID and Password to access all myFICO products and features myFICO is the consumer division of FICO. Hi All, Long time reader of the community and just today 3/23/24 got notice from my attorney that at 2:30 pm yesterday he received the Discharge of my debts from the Judge, as earlier this week the Trustee signed off. Many factors affect your FICO Scores and the interest rates you may receive. My Transunion Credit Score is currently a 721, so I don't know why BofA keeps rejecting my CLI Request. Expert Advice On Improving Your Home. This is your place to do just that 6 days ago · This is the place to share mortgage and home equity loan information. Read confessions of credit mistakes from the myFICO Forum community and learn what not to do. Before applying for the card, just think about your goals. In today’s digital age, access to health information is just a few clicks away. This is your place to do just that 6 days ago · This is the place to share mortgage and home equity loan information. Capitalone Secured: $1000 deposited @and $0 fees. My first approvals thread! Amex. I was sitting at 10800, and my six months is up today. With 29% utilization your FICO 8 scores could be getting penalized 60 or 70 points Individual utilization is a totally separate metric which will hurt your score regardless of how good your aggregate is. Re: CITI Approval Chances. 19 Replies2401 Views 2401 Views. Hello! I've been a long time lurker and working on my credit for about 6 months. 1% on the previous year. Topics include credit reports, identity fraud and more. Out of the 12 credit cards, I successfully secured increases on 8, totaling $36,650 in credit limit boosts. The Next Billion is Quartz’s forum about the next billion people to come online for the first time, largely on mobile phones. Chase Freedom Flex Mastercard (AoA 6 months): approved CLI automatically from $76K. They would use the same pull for 2 different loans tho. - Chase Amazon Prime, $8k. rentmen st louis This thread is to be used for your Auto Loan Approvals just copy and paste! APPROVING BANK: Mazda American Credit. 0 to replace the old mortgage scores, but they're still in the comment phase. Today, I moved $50K from IHG to place the CSR at $100K; my CFU at $29. In 99 I claimed bankruptcy and included the student loan. FICO® Xpress Optimization: Releases. In fact, owing the same amount but having fewer open accounts. Fan communities play a crucial role in keeping the spirit of the game a. For the 33. After years of rebuilding, I've got my first chase card. com include a FICO ® Score 8, and may include additional FICO ® Score versions. $19,000 (new personal highest limit card) 18 months 0% (then 19 Scores in sig current 1/6 new accounts. Although they limit an individual to just 1 account. If the only credit one needs for one's business is a business credit card, one can qualify for business credit cards by just having good personal credit. But, like Navy membership and loan is 2 different pulls. Aug 15, 2017 · Getting approved for a new credit card can be so exciting, you want to tell the world about it. Applying for a credit card can be exciting, frustrating, stressful or enjoyable. Multiple cards were charged off. Now, if you're trying to think up a reason if you need either of these. I currently have a 677 credit score NFCU Personal loan. Click Update My Income to get started by October 6, 2021. The retail side is fairly easy to get, but the legacy side is more difficult with BK showing on reports still. Hi everyone! Decided to apply today for my last CC for 2023-BILT from WF! My FICO scores were in low 700s across the board, CC utilization ~25%, 13 hard inquires in EQ which is the one they pulled from (4 in the last 6 months), 2 new accounts in the last 3 months (Wells Fargo Active Cash, Chase CSP). Approved: Wells Fargo Autograph. and last week applied and got a Capital one Walmart Master Card and got approved for a $300 starting limit. fire star toys The soft pull they use may be from several months back. They pulled only transunion I have read multiple results on here about early exclusions from Transunion and wanted to share my results. Most of that is on 0% ending soon. Re: Amex Delta Reserve Card. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. The community will lead you the right direction Re: Credit One You have better cards There is a monthly annual fee. I can't imagine that they'd blacklist you, given that you actually paid them back, and also considering there are multiple examples cited here of people burning Cap1 in BK and still getting approved for unsecured CCs months later. Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus. Hello! I've been a long time lurker and working on my credit for about 6 months. Virginia Credit Union: 10k 1. Congratulations on your new approvals!! In the last 2 months on a spree i have been approved for 8 cards. High Bal Jan 2009 $116k on $146k limits 80% Util. Here’s your place to ask all of your FICO Score questions, get support on reaching your score goals and help others! 2 days ago · The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and. 1% on the previous year. In this ultimate guide, we will explore the best ways to find an Indian gr. Thanks for signing up! You've successfully created a myFICO account and can now join FICO® Forums. I reload amazon with $2 every 6 months with my sock drawered cards just to keep them alive, but again an AF card is usually safe. My Chase Sa pp hire Reserv e credit limit was increased from $55K to $80K today via credit limit consolidation. Here’s your place to ask all of your FICO Score questions, get support on reaching your score goals and help others! 2 days ago · The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and. NFCU MR: 11/20- $5231/$7000 (I mistakenly made a big purchase right before the statement cut this month. search for used cars near me Thanks for signing up! You've successfully created a myFICO account and can now join FICO® Forums. Take another look at the prior post - Auto scores added. So if your looking for a Synch card you don't have to gamble. Southwest APPROVED!! MISSION ACCOMPLISHED!! I seriously can't thank this board enough for all the advice and tips! I have wanted the Southwest credit card since forever - was denied multiple times. You want a shared secured loan that allows you to pay down 91% of the loan immediately while retaining the original due dates of the payments against the remaining 9% of the loan. From loans, leases, approvals and terms, this is your board to talk. com is the ultimate online destination for you The world of sports is not just about the athletes and their performances on the field. Are you craving the flavors of India but don’t know where to find authentic ingredients? Look no further. Welcome to the Mortgage Loans board! by Barry on ‎01-13-2009 12:47 PM Latest post on ‎07-15-2007 03:27 PM by Barry. 1 Reply 60906 Views. Synchrony & Citi - Pre-Approval Spree. I pay in full every month, but want that lower utilization % so I can keep my credit score climbing- currently around 822. - CPO Quicksilver, $5 - Amex Hilton, $33k.