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Old Aug 19, 2012 | 1:39 pm
  #113  
chemist661
In Memoriam
 
Join Date: May 2001
Location: Southern California
Programs: Hertz 5 star, Priceline Hotel bidder. AA PLT, 1MM.
Posts: 2,910
US Bank CC: Applied 8/12/12. Pulled Experian. Approved.

Citi AA CC (x2): Applied 8/12/12. Pulled Transunion. Both approved.

FICO scores on 6/17/12 (mortgage enhanced)

Experian: 788
Equifax: 804
Transunion: 782

My scores are decent considering my average age of accounts is not very high. (alot of churning in the past ). Still plenty high enough to get approvals. I usually have very low utilization (sometimes <1%)relative to credit lines.

My scores are now a little lower with a few mortgage inquiries (count as one since all were within 14 days) and two older mortgages (2008) paid off plus two new refi's (rental properties) on the report. Still 3 of 3 approvals.

My estimated scores would be at least in the mid 700's since I have a "thick" credit file and active credit lines going back to the mid 1990's. (my 1980's stuff dropped off since I closed those lines about 11 yrs ago--dumb on my part but oh well).
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