"Approved Details Inside"
Dell Preferred Account Review
Written by: terren2000 on 2010-05-05
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terren2000's review: 
Just got approved for Dell preffered $2000 credit limit. 6 recent Inquiries, but over 4 months ago. I got the approval online in about 60 seconds. Was able to use card immediatedly. they didn't ask for proof or income or what my income was. I chose the working/student option which indicated I was working and a student enrolled in school. They didn't ask any details about my enrollment.
I believe they pulled Experian.
I also have one late report on my CR. Its a $563 bill from 2004. It has also been sent to a CA who is reporting negative on it since 2008.
Experian 734.
Equifax 697
Transunion 713
Just got approved for Dell preffered $2000 credit limit. 6 recent Inquiries, but over 4 months ago. I got the approval online in about 60 seconds. Was able to use card immediatedly. they didn't ask for proof or income or what my income was. I chose the working/student option which indicated I was working and a student enrolled in school. They didn't ask any details about my enrollment.I believe they pulled Experian.
I also have one late report on my CR. Its a $563 bill from 2004. It has also been sent to a CA who is reporting negative on it since 2008.
Experian 734.
Equifax 697
Transunion 713
2 Comments
Comment 1 by brian23
Re: Approved Details Inside 
on 2010-05-05
Congrats! Even with the negative mark on your CR, those are still some good scores. Good job on the approval.
on 2010-05-05 Congrats! Even with the negative mark on your CR, those are still some good scores. Good job on the approval.
Comment 2 by terren2000
Re: Approved Details Inside on 2010-05-06
Yea, I had it on my CR along with a Judgment. At the time my Creit Score was 598. In August 2009 Walmart gave me a card, and within 3 months of paying and using it, I went up to about a 623. Then Orchard gave me a card, and I went down, and in about a month went up again to about 650. Then I got a Macys card and used it along with the others and got around 670-680. Then I worked on getting my utilization of my 3 cards combined down to 9%, then I jump to about 690. Then I got my judgment vacated just last month, and it fell off Monday. So I applied for Dell since they check Experian and my Experian score jumped to over 730, I figured theyd give me one, and they did.
Yheyve denied me 3 times before. I figured better get the cards now while my score is looking good.
on 2010-05-06 Yea, I had it on my CR along with a Judgment. At the time my Creit Score was 598. In August 2009 Walmart gave me a card, and within 3 months of paying and using it, I went up to about a 623. Then Orchard gave me a card, and I went down, and in about a month went up again to about 650. Then I got a Macys card and used it along with the others and got around 670-680. Then I worked on getting my utilization of my 3 cards combined down to 9%, then I jump to about 690. Then I got my judgment vacated just last month, and it fell off Monday. So I applied for Dell since they check Experian and my Experian score jumped to over 730, I figured theyd give me one, and they did.Yheyve denied me 3 times before. I figured better get the cards now while my score is looking good.
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Disclaimer: This content is not provided by WebBank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by WebBank. Review content is powered by Finance Globe.
