ThePeacock Posted March 22, 2005 Report Share Posted March 22, 2005 Hoping they pull TU, my score is 604. Last inquiry was 4/032 baddies (1 medical, 1 partial pay CO) and 1 good (Sams Club Credit) reporting in good standing since Aug.Think I have a chance?Thanks Link to comment Share on other sites More sharing options...
ThePeacock Posted March 22, 2005 Author Report Share Posted March 22, 2005 Well, I tried and was Rejected This bites. Link to comment Share on other sites More sharing options...
Tarheel Jack Posted March 23, 2005 Report Share Posted March 23, 2005 I got the big reject last week as well, with a 640 EXP.Funny thing is I got a offer for the same Providian card in the mail three days later. wow... Link to comment Share on other sites More sharing options...
score booster Posted March 23, 2005 Report Share Posted March 23, 2005 Are you sure they pulled EXP.? I'm surprised they didn't approve a 640. Is that a true FICO? Link to comment Share on other sites More sharing options...
jq26 Posted March 23, 2005 Report Share Posted March 23, 2005 Now I am confused... Providian gave me a $2000 unsecured platinum card last week with a 628 FAKO and a BK 3 months ago. How the h*ll did you guys not get approved and my sh*tty credit was worthy of a card? And get this, the same day I was approved by Providian, I was shot down for a $100 gas card by BP. Don't get me wrong, I'm not complaining- just sitting here scratching my head! Link to comment Share on other sites More sharing options...
Tarheel Jack Posted March 23, 2005 Report Share Posted March 23, 2005 Yup, they definitely pulled EXP. I haven't checked the FICO in about a month, last I saw it was 630. The 640 was a FAKO, yes. I haven't received their denial response yet. I'm assuming it's the familiar "insufficient credit history" line...For years I went John Wayne style and paid cash on the barrelhead for everything. I don't have many TL's reporting. Link to comment Share on other sites More sharing options...
jq26 Posted March 23, 2005 Report Share Posted March 23, 2005 tarheel, I have to commend you for paying cash for everyting. 99% of people can't say that they were able to that. That takes a lot of discipline. The only change now is to use a card when you get one and pay in full!As far as why my sh*tty credit may have gotten me an approval, I just remembered one thing. I told them my annual income was $180,000. Its complete BS, but maybe they bought it and wanted a piece of the pie.GOOD LUCK- hey I would rather have a very fixable "insufficient credit history" denial than a "recent bankruptcy" denial anyday!! Link to comment Share on other sites More sharing options...
Tarheel Jack Posted March 23, 2005 Report Share Posted March 23, 2005 I appreciate that, jq. I currently have a few low-limit cards that I use for one purchase a month, and I pay them all in full. I was just shopping for a higher limit card to use the same way for reporting purposes. That lack of a revolving credit history should be taken care of shortly. $180K? I bet they were drooling... Link to comment Share on other sites More sharing options...
jq26 Posted March 23, 2005 Report Share Posted March 23, 2005 one last thought tarheel- do you have a friend, close family member, or significant other that you could become an AU on their card with? That might be the quick answer to get you the high available credit AND the added bonus of years of excellent history...there are many threads on this, but in short they would add you but never give you the card. Their long payment history gets transferred to your CR and you have accomplished your goal without additional inquiries.You don't plan on really purchasing anything anyway! Link to comment Share on other sites More sharing options...
Tarheel Jack Posted March 23, 2005 Report Share Posted March 23, 2005 Everyone I know is a deadbeat! Really though, I have thought about that, but I'd prefer to go it alone. The TL's I have now are good, they just need some time to age, or "marinate" as we say down here. The Providian app. was a shot in the dark, I figured it was worth the few points of an inquiry to see where I'm at re: unsecured credit. It'll come in due time. Thanks! Link to comment Share on other sites More sharing options...
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