Sunday, July 16, 2017

Meet Cosmo! My 1st Dog

We took him from my mom's friend's friend because she's sick and can't take care of him and his son Nico but mom and I decided we can only get one. Meet the 5 year old Mixed Pomeranian - Cosmo.
Groomed yesterday and I got some stuff at Pet Smart. Believe me when Insay he is intelligent.
Say Hello!!!

Thursday, July 13, 2017

Home Depot 8K, Lowe's 3K, Best Buy Denial

Good Day! Where ever you are in the world. Today, I want to share my recent approvals and denials on Credit Cards I applied for a week or so ago. I attached a photo of my newest scores so you have an idea where I'm standing as to why I was approved/denied. Credit Report was pulled May 31st, 2017. Not long ago since I helped my parents buy a house.
 
Equifax - 738
Transunion - 704
Experian - 716
 
See Ranges below:
 
Home Depot - Applied June 29th in store. Approved right away for $8,000. Got my card in the mail July 11th. Activated at July 12th and added my parents as Authorized users. Easy :)
 
Lowe's - Applied June 30th online. Received a Code and told to call a number so I did. Talked to someone regarding verifications I guess, and approved! For an odd amount of $3,037. Got my card same day as Dome Depot's on July 11th and activated same day on July 12th including adding Authorized Users.
 
Best Buy - Applied June 30th online. Got the 2 weeks wait for our decision BS - so I already accepted it was denied. Got the letter July 11th as well with the official Unfortunately blah blah due to Too Many Inquiries pulled on Experian. Most probably because I just got approved on the other two and seem credit hungry so Best Buy denied me. I know it's nothing personal but you will never have me as one of our credit customer :0
 
I am not credit needy, it's all about helping my parents out for the new house. Their names are used too many times so I help as much as I can. Thank you for all of those who shared their experiences online like what I'm doing. Help each other out!
Good Luck to everyone who's going to apply!