Congratulations on your rebuild Just stay the course and you will be rewarded in time. I have a Home Depot credit card. Forbes Advisor Staff, Forbes Advisor Staff. APRLEASE RATE 3. Re aaa visa advantage. Had SI, over 150,000 and other income 40,000. 49 when my utilization was still at 88 (approx 49,000). 4 days ago The site does not include all credit card companies or all available credit card offers. Citis family of credit cards includes over a dozen options, including many co-branded cards for popular airlines and merchants. These FICO Scores are in the top 20 of U. After a pull, I was approved for a 15000 SL. Has a 30, 60 late from JanFeb of 2022 (was in the hospital) Auto loans American Credit Acceptance - showing 1 - 30day late payment - remaining balance 31K 25 interest. I&39;ve seen Peronal Loan rates all over the map from 6 to 16. The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and everything in between. FCN (Financial Credit Network) - will delete. income 158,000. 90 of the top 100 largest U. US Bank issues a Premier Line credit access card on the Visa network (works like a credit card and can be used exactly like a credit card with the charges showing on your PLOC); PLOC checks; ability to transfer by online, mobile and telephone monies directly from your PLOC without having to jump through a. Things like retirement, banking, budgeting, personal loans, and credit card debt. Join now. who i burned - chase, cap 1, TD bank, Sync, were the biggies. Know more than your FICO Score. (2) comes from one of three big credit bureaus (EX, TU, EQ). Currently rebuilding as of 04112019. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. You need to register on the AmEx Platinum website page for many of those benefits (same for the other AmEx cards). That about sums it up Now, seriously, off to the garden AMEX Gold Card NPSL NFCU Visa Signature Flagship Rewards Card 12K (PC) NFCU More Rewards AMEX 11. Soft-pull PREAPPROVALs - Updated 42021. Sep 1, 2023 Re Bank of America Premium Rewards Approval. A detailed FICO&174; Score and credit report based on Experian data. FTC's website on credit. 1K to 3K is typical. Message 7 of 12. The Nerdy headline If you qualify for a low rate, Happy Money is a smart way to consolidate high-interest credit card debt into one fixed monthly payment. The resulting improvement to credit card utilization ratio bumped us both up by 50 points or so. 1K to 3K is typical. Membership requests are reviewed and processed within two business days. 02-09-20221044 AM. Discover (except when you reject their offer and ask for reconsideration) Capital One (in app) Chase (in app) Navy Federal (in app) Synchrony (Paypal, Care Credit, Car Care, etc) (in app) Usually Soft Pulls Comenity (AAA, Lane Bryant, Overstock, Bread Amex) Typically can result in a soft pull, can be. Personal Finance. 5 ish. Reason for borrowing Consolidated high interest personal loans. 99 monthly fee and the free options. Dec 25, 2023 Reviewed April 30, 2022. Platinum - 50-100k gets you 50 rewards booster. I have a Home Depot credit card. FTC&39;s website on credit. The new inquiry caused my score to drop 3 points. But I am not sure if I have a chance of being approved. Has a 30, 60 late from JanFeb of 2022 (was in the hospital) Auto loans American Credit Acceptance - showing 1 - 30day late payment - remaining balance 31K 25 interest. Chase Freedom Unlimited 6000 Discover It Chrome 3500 AmEx CS Investor 6000 Chase Sapphire Preferred 5000 Chase Amazon Prime 2000 AmEx Hilton Surpass 1000 AmEx. Before the feature was available online, I had to call (years and years ago) on Platinum Biz to see if they would approve a higher than normal transaction, after a couple of brief holds 250,000 was approved. Here&39;s their rules Soft pull. Never used the initial card, ever. 2 Kudos. Rebuilding since September 2020. After a pull, I was approved for a 15000 SL. May 6, 2021 myFICO Forums is divided into 5 topics. Re Synchrony Bank Certified Letter. I got a BBP last month with only a SP. It has a one-time 9 set up fee, which is in the middle of MoneyLions 19. May 26, 2021 Re Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products. The new inquiry caused my score to drop 3 points. New American Funding Best for low or bad credit scores overall. Rep told me that it 'might cause' another HP (but it didn't). Fortunately there is some hope, but dont expect to get premium rewards cards one or two years after emerging from bankruptcy. Pulled EQ and EX, got 5000. Creditnet provides a space to discuss credit products and services and help you learn how to bu. Any shot at me getting some of these limits up and w. FlyerTalk is a living, growing community where frequent travelers around the world come to exchange knowledge and experiences about everything miles and points related. 90 of top lenders use FICO Scores. For example, USAA. Hi WinningEveryday I read in one of your posts above, why would you want to apply for 7 cards Message 10 of 21. Limit one increase every six months. 1K to 3K is typical. I did some research and also emailed a good will letter. 300 with Credit One. I was approved for the Comenity AAA Signature Visa about 21 months post-DC. COLUMBUS, OH 43218-2696. MONTHLY PAYMENT 451. I have over 100k in equity in my home after the refi. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Navy Federal Credit Union vs. Flagstar Best for overall mortgage lending. 90 and can fluctuate based on the Prime. Plus, 30 to 60 days after you make your first payment, your old account will be reported as settled to the major Consumer Reporting Agencies. A number of other issuers use similar phrasing when sending out these requests as it&39;s an incentive to follow up, as while they have to ask you don&39;t have to respond as you are not actually applying for additional credit. I have 2 older BBT cards, I selected new applicant and apped for two truist cards ,BT and cash and got approved instantly with only a SP. Added the Chase Sapphire Preferred on 44 with a 17,300. Under this model, a credit score above 740 is considered to be an excellent score, which, under our lock-and-key analogy, effectively gives those with a FICO credit score of 740 or better a master key to nearly every credit card lock on the market. For every 2,000 rewards points or 400 spent online or in-store, youll get rewarded with a 20 rewards card (5 back). This also seems to be the case for the US Bank Cash Visa. FTC's website on credit. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 6 days ago Update 2 week message just changed today Application is being reviewed notified in writing within 7-10 business days. Monthly payment is 1,815. Best Buy CC (not the Visa) just gets me 5 on purchases there or no-interest financing for 12 months. Fidelity does require you to deposit the cashback directly to investment account to get the 2 instead of the flexibility of getting 2. These are the cards I applied for and were all approved in the last 24 months, only one of which is a personal card. I bit the bullet and applied for double cash cause I&39;m really trying to up my cash back game after staying away from credit cards (because I paid off 150k in cc debt in 3-4 years) My FICO 08 scores are all around 680, income 300k, BUT I have opened three accounts in six months and four in the past 24. I inquired about the PLOC but was told to wait 6mos to a year for the PLOC as I'd opened a lot of accounts over the past 24months which was very true. 01-01-2024 0851 PM. Full under 150 a month. Use as much of your card's existing limit as possible. Our Verdict. Re Penfed. Chapter 7 filed 23. 5 days ago 2 Car Loans In 1 Week. This is my first CLI request with this card (SL 1900, opened on 2222022) and I asked for an increase of 3100 to get my limit to 5K. Apr 28, 2013 My experience is this regarding the length of time open before sp&39;s are used. Current Score 3112020 EQ695, EX703, TU720. I want to apply for the Chase Freedom Unlimited Visa. I am in the process of applying for a Jumbo Loan Mortgage which currently requires a 720 Credit minimum. I don't have a record of it, but I believe my FICO 8 scores were hovering at just under 700. The classic FICO credit score (named FICO credit score) is between 300 and 850, and 59 of people had between 700 and 850, 45 had between 740 and 850, and 1. Yesterday they called and asked that I unfreez EX. Earn unlimited 5 cash back on hotels and rental cars booked through Capital One Travel. In my experience you can request multiple times with no negative effects. Re PenFed CLI. Cap1 QS-4,500 Chase Freedom Flex- 800 Chase Freedom Unlimited- 1,000 Victoria&39;s Secret- 1,200 Citi DC- 800 Amazon Store Card- 3,500 AMEX Hilton. Engage with peers and FICO experts to find resources, get answers, and share your knowledge and experiences. Generally the value is only great on smaller transactions. From AnnualCreditReport. Very Good. 90 to 27. 60 APY now. In the numerous reviews I read prior to applying NO ONE mentions the the 2 AM emails stating "Youre spending more than usual "The balance on your account is approaching a level where we may need to temporarily suspend. Rebuilding from 590 600 Credit Score. I don&39;t remember why but I had trouble when I was signing up and had to use the underscore. The score you name has a specific (much older. Card for all your purchases. Know more than your FICO &174; Score. 3 1 Offer is exclusive to Bread Cashback American Express. Just received an email today congratulating me that my Cap One Quick Silver has been upgraded to World Elite Mastercard. 3 Replies 155 Views. myFICO is the consumer division of FICO. Credit scores can have a huge impact on a persons financial life. Maybe pay off my motorcycle, and - 6258583. Hi everybody, this is my first post here Always love myFico and the community post i have seen here. Re Nasa federal credit union support is horrible. That number didn't work for me, but the one they gave me after I. Sign In. Citi Double Cash Application Pending. Most major credit card issuers now give cardholders free access to their credit score, either a FICO score or a different version. I applied for the Citi Double Cash card yesterday and was denied. As creditwherecreditisdue always says. I app&39;ed for a couple of their cards at different times and was denied each time. Citi Legacy cards can be 2 (or a double pull). Re Bankruptcy removed from credit. FTC's website on credit. Dec 28, 2023 397. 75 for 48 months. 25 Replies 3361 Views. At 5th statement cut with 100 on time payments, you receive an automatic CLI, usually for 300. Here&39;s a very simplified version of the integer programming formulation. Experian offers two types of plans IdentityWorks Plus and IdentityWorks Premium. Last day of 60,000 Bonus points on 4,000 Spend, I will also be using the 100 Seat Upgrade credit so in net 600 Bonus value. The Bureaus Inc - will delete 30 to 45. Too many inquiries and new bank account (WF &. 1 million identity theft insurance. 00, but uses more than 120. They have a rewards system tied to their cards, I tried it for a bit but it wasn't really worth it. Hey All Been checking. Elan does all the approving for credit cards, but take into consideration the relationship you have with the bank andor credit union. AllSouth Federal Credit Union. I applied for the card and I was hoping to get signature version metal card. 5 to card Cashback and a 10 streaming credit, but it requires 500 of spend and. AUTO TU9 686. AMEX is almost always a soft pull on personal reports if already an AMEX customer. Before applying, my Experin FICO score 8 was 792 with 5 hard pulls, one of which is in the last 12 months. PenFed's rates are great, but they will almost certainly ask for POI to be uploaded. In total, there. I asked for a raise to. There is a debate currently raging in my head as to whether to pull the trigger or not. Two thresholds and fixed bonuses. It helped me get to a great place until recently when I basically threw my credit - 6509236. The site does not include all credit card companies or all available credit card offers. who i burned - chase, cap 1, TD bank, Sync, were the biggies. We used the money to pay off everything else. This is your board to chat about the application process, denials. Before applying, my Experin FICO score 8 was 792 with 5 hard pulls, one of which is in the last 12 months. Sales person says he's got a lot of these types of preapprovals lately and it's simple. Dec 25, 2023 The fact that some cardmembers have been able to establish higher credit lines indicates the potential is there, even if its not a slam dunk. It may be removed a handful of months before that 10 years but not before that. Borrowers, while going through the loan process, can request that the Loan Officer repull your credit for a couple of different reasons. Card for all your purchases. Re What is in my Fico 2 Score. 90 of the top 100 largest U. Re Penfed Auto Loan FICO Version. Hard times happen and sometimes your credit suffers, but you can rebuild it over time. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I'm waitinghoping for Bank of the West to get closed out and have accounts coverted to BMO. Total revolving limits 741200 (620700 reporting) FICO 8 EQ 698 TU 704 EX 685. 49 - 24. Protecting my identity and checking my credit with MyFICO went off without a hitch. and PayPal Credit I believe offers no interest financing for 6 or 12 months. Citis family of credit cards includes over a dozen options, including many co-branded cards for popular airlines and merchants. Re Denied Amazon Prime Credit Card (Chase) lovelife2 wrote I rarely apply for credit cards, been years, i am very conservative, but decided to go for it, since i shop at Amazon alot, never assumed it would be denied. Citi Double Cash&174; Card. March2010 FICO 695 TU, 653 EQ, 697 EX. 45 APR to fund what makes you happy. They show a score range for qualifying from 630 up, so I&39;m guessing I may not get their best rate of 8. Scan to check your FICO Score and credit data while on the go. In this article, we will discuss everything you. I&x27;ve applied with TD bank yr1, Regions yr2, and Filo this year. Trudy wanted to get out of debt. The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and everything in between. I have a few credit cards but they are all very low limits - some I&39;ve had for a couple of. What is TU Interactive and why would they do an inq Sitting here this morning and started getting alerts. New Capital One secured accounts ALL GRADUATE at 11th statement cut with 100 on time payments. Oct 1, 2021 Re Chapter 13 - my story start to finish. I have one Amex with a high balance UTI due to having to furnish an entire apartment and a couple of cards with tiny balances. 90 of top lenders use FICO Scores. 5K Discover it Miles 5. The resulting improvement to credit card utilization ratio bumped us both up by 50 points or so. I doubt I&39;d qualify for the lower end of the spectrum on Personal loans. Know more than your FICO &174; Score. Previous thread looks like it&39;s now archived. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. My Fico 5 scores as May 14th when I pulled my monthly report are not good. I doubt I&39;d qualify for the lower end of the spectrum on Personal loans. Chapter 7 filed 23. New inq on TU. Im new to the Citi. COLUMBUS, OH 43218-2696. But my deductable for 2018 is also 125. 2020 silverado leveled on 35s, mail handler pay scale
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It went from 5 to 10,500 in a year. You&39;ll get alerts on your iOS device when changes are detected. Consider whether any of these might be a better pick for you. If you place some considerable spend from time to time it can eventually grow, though. 11122 8000 CLI (new limit 16,000) asked for 25K. A 7-10 days message doesn't mean decline. PO BOX 182686. Find support, ask questions and help others with their credit. My Lowes account started (if I remember correctly) at 1500. 25 Replies. Do you have questions about credit Ask them all here. 300 with Milestone. 0 Kudos. EX700 TU 704 EQ 694 40322. Updated Dec 1, 2023, 356pm. Message 2 of 53. Whether you&x27;re applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence. I applied for a Bank of America customized cash card (I'm 80 sure it was that card) back in April of this year and was denied due to the amount of accounts with a balancehigh balance. My credit limit was 2,200. Citi Preferred - 14,200 to 18,700. Charge Off Affect Fico Score. EQ- my highest at 666 welp EX 606. It currently offers a 200 SUB for spending 500 in the first 90 days. AMEX is almost always a soft pull on personal reports if already an AMEX customer. Never used the initial card, ever. ) Play with it, make a macro, but search the site with a deep search and limit it by date and keyword for relevance. A few that I know, if no one has a list Bucksback (Limited time FNBO 2) Cashback Visa (Limited time FNBO 2) Travel Elite Amex (Limited time FNBO) NRA (COBR) Ducks (COBR) The NRA and TravElite cards are no longer available for new applications. The money came pretty quickly and was deposited in my bank account with no hassles. Know more than your FICO Score. You&39;ll get alerts on your iOS device when changes are detected. This Personal Finance board is your place to discuss personal finance topics that don&x27;t fit in the other boards. Re Bankruptcy removed from credit. In total, there. Fico8 EQ 779, TU 802, EX 771 (6222022), util 6. Asked for 7000. Members have reported that on Citi cards if it says you're eligible and do you accept, it's a soft. Best to temper expectations and assume 2 HPs can occur, but as always, results will vary. If it doesnt fit in the other boards, put it in the Smorgasboard This board includes the zany, fun and social stuff cat pictures, jokes, trivia,. I opened a Prosper card back in December &39;21. Hello my people, We've run into a bit of an interesting issue. I opened my Truist back in July - hard pull with SL and APR shown only after application approval. Hello all, I was wondering if anyone had any advice as to how I could raise my 637 (Equifax), 635 (TU), 649 (Experian) scores to the 750s - 4848118. DCU Approval. Capital One will normally restore available credit with a few hours of the payment posting. Credit Cards Capital One Spark Visa 700 682002 19 yrs Navy Federal Flagship Rewards 15,000 9242014 7 years Victoria&39;s Secret 4100 11172014 7 years Amazon 6000 1212015 6 years Discover Miles 1 6300 1192017 4 years Navy Federal AmEx 10,000 762017 4 years American Express Hilton. 95 a year, when i called them they mentioned the ability to also report the last couple of years of payments as well. 1 million identity theft insurance. 00 of the total amount it will hurt your score. This is the place to discuss reestablishing a good credit history, the effects of filing. ANNUAL INCOME 32,000. 1st Source Bank. Added the Chase Sapphire Preferred on 44 with a 17,300. MileHigh96 wrote Depending on what your issues with your credit are, NASA is a very conservative CU especially when it comes to lending. Fact Checked. Recently got on with navy fed and was preapproved for all their cards. the amount of credit available) on every credit card except for onea card she didn&x27;t even know was still open. Two thresholds and fixed bonuses. I've actually been quite pleased with them since the initial membership debacle. So I called recon and they wanted to verify my identity. 1K to 3K is typical. Sole prop, only like 6K business revenue, 124K personal income, 780 scores, 424. My Experian score is excellent, Equifax and Transunion poor (waiting for negatives to fall off, cc balance to update. Re DCU, Penfed or Lightstream for 700 fico NO PROOF OF INCOME. Demonstrate to lenders that the consumer is an exceptional borrower. Bad experience, greedy, money hungry company more interested in getting their monthly fee than anything else Customer service representatives are robotic and non-caring. She had a high credit utilization ratio (the amount of credit used vs. Gonna continue on with a new thread. The APR isn&39;t the best but compared to what I had been paying for the last month and a half it&39;ll do. It is now 627 and NO HARD PULLS reporting. Though, one of the cards I just got was the citi diamond preferred, so, I guess I can&x27;t complain too much. 5 back, sucks. I don't have a recent bankruptcy. Together, each of these 5 topics is divided into sub-forums where specific topics and questions are discussed. 90 of top lenders use FICO Scores. CC utilization is 8. MONTHLY PAYMENT 451. The FICO credit score model is calculated with software from Fair Isaac Corporation (FICO) and is used in the majority of lending decisions. Joining a CU might be exciting, but hard pull for membership is hurt. 07-30-20231221 AM. The FICO &174; credit score model is calculated with software from Fair Isaac Corporation (FICO &174;) and is used in the majority of lending decisions. (92023) FICO 8 (EX) 825 (TU) 841 (EQ) 848. 2K Citi Rewards WMC 15. Membership is open to current employees of financial institutions as well as law enforcement professionals. Credit reports. I have a Home Depot credit card. On 621 I got the popup and applied. Being an authorized user only helps if there's an extensive credit line, with small balance. ) Play with it, make a macro, but search the site with a deep search and limit it by date and keyword for relevance. The FICO credit score model is calculated with software from Fair Isaac Corporation (FICO) and is used in the majority of lending decisions. My wife and I were recently approved for AmEx personal loans of 25K each at 7. Re What's Needed for BMW Financial Approval. Credit is a crazy game ha. Derogs 2x chargeoffs (1x paid in full from OCT 2018, 1x settled to 0 balance from JAN 2018 - both reporting as paid in SEPOCT 2021. Lol I usually am very agressive and ask for 25,000 or 30,000 and then each time I get a little closer to that amount. Have all the accounts below, 70k totoal all 2 months late due to significant health issue. Mar 23, 2022 Also, as mentioned upthread, yes, we&39;ll need a complete breakdown of all accounts on your reports, both good and bad, before we can help you build a plan. Card for all your purchases. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The problem is that I have never received a bill for this open balance of 95. FICO uses reasonable safeguards to protect your personal data, including physical safeguards, such as secure areas in buildings; electronic and technological safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures designed to help prevent ID theft. Sole prop, only like 6K business revenue, 124K personal income, 780 scores, 424. Sole prop, only like 6K business revenue, 124K personal income, 780 scores, 424. Sign In. AMEX is almost always a soft pull on personal reports if already an AMEX customer. Advertiser Disclosure The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. Wanted to see what bureaus they pull from before I apply. 670 to 739. . bali window shades