"Denied Due To New Mortgage?!"

Comment 1 by ash

Re on 2008-04-28

Sorry...

The word on the street is that Hooters changed underwriters. This is there new thing. I wonder will the new mortgage holders like myself be refused credit limit increases for the same reason. Thats why I don't use the card anymore. Its retired in the sock drawer...

Comment 2 by hjm331

Try This on 2008-04-28

Have you applied for a Capital One card yet? I think you should go try it and let us know what happens. Capital One rarely denies anyone here. It's a really good card to have to rebuild your credit with. Good luck!

Comment 3 by realtorbel

Thanks Ash & Hjm331 on 2008-04-28

Guess I better hit the streets cause I missed the word :)!!! Thanks for the info tho Ash! Hjm331 I do have a Cap 1 (11/07) and so far I've gotten two CLI's one auto from 300 to 500 after 3 months and the other by way of backdoor # to 1000 thxs to FG members - I'm lovin cap 1 for now anyways... Lol!!

Comment 4 by meya

Re:Realtorbel on 2008-04-28

You are correct, I heard this from RoBoCoP. I thought it was so weird to hear this story, but you are the second person that mentioned this. I guess we better warn everyone in the Network so that they can save on the inq. So sorry for your denial. There are better cards out there anyway so don't let this discourage you. Just like Asha nd HJm331 told you, try CAP 1, I bet you will get a better deal there.

Comment 5 by adicus

Hummm. on 2008-04-28

I applied for the HOOTERS card 10/2007 with CL of $1,000 to start off with. Thanks to Meya's raving on the card! :-)

I have a residential mortgage from 06/2006 and another mortgage for an investment property as of 9/2007. I never heard of them doing this. Weird.

Comment 6 by realtorbel

I Feel So Left Out :(! on 2008-04-28

Thanks Meya and Adicus :( but I feel sooooooo left out! It seems like I'm the only 1 who cant get a Hooters card! Maybe it has something to do with all of the other cards that I've gotten in the past 13 months :{! It would take me forever to list them - did I tell yall I was a credit app addict?!

Comment 7 by hjm331

RE: Realtorbel on 2008-04-28

Did you say you have cards that you've gotten approved within the last 13 months?

If you list the cards that you have, maybe we can help you out more. Try to list the age of each credit card so we can find out how they impact your score. Thanks.

Comment 8 by meya

Re: Realtorbel on 2008-04-28

You are a addict? I will send you the link to sign up to the club with us.

Don't feel left out, what do you think it better, a house or Hooter's card? A lot of us in here will trade places with you... Lol.

Comment 9 by realtorbel

House Or Hooters Card??? on 2008-04-29

House or Hooters Card??? Hmmmmmmmmm first I need to make a list of the pros and cons of each... SIKEEEEE!!! LOL Meya!! Your right the house wins :)! When u put it like that, I can see the light and no longer desire the famous Hooters Card. Thxs again All! BTW, Hjm331 I don't kno if ur ready for the list or should I say if Im ready to expose myself with the list of my addiction... Lol! O what the heck, I'll post it later when I have a lil more time on my hands :).

Comment 10 by eric

WOW! on 2008-05-03

Im glad I just purchased my house after I got this card... Lol

Comment 11 by realtorbel

Ok Here It Goes!!! on 2008-05-03

I hope every1 is sitting down cause this is gonna be a long ride so get ready! Ok here's the list of my 1 yr credit shopping spree...1. Orchard 3/07 $300 - Closed 3/08 after I requested a CLI and they told me sure if you pay $15 we'll give u $100 more! Uhhh no thxs close it! 2. JCP 4/07 - $650 cli 4/08 - $1500 3. Credit 1 4/07 -$1500 auto cli $1750 4/08 4. Target - 4/07 $200 asked 4 cli 4/08 they said no due to not enough usage so Im gonna use it and see what happens. 5. Peach Direct (GEMB)-4/07 $2500 used it twice for small purcs In 2/08 I got a ltr that GEMB will no longer be the backer on this but it still shows on CR as active 6. HSBC 5/07 $300 auto cli $450 at 2 mos-auto cli $600 5 mo auto cli 3/08 $750 7. Kohls 6/07 $1000 called for cli 4/08 denied :(. 8. FHUT 7/07 $500 cli $750 after 2 mos. 9. Valero (gas) 7/07 $300 cli $600 3/08 10. Tribute 7/07 $1000 cli 1250 6 mos 11. Salute 8/07 $1000 cli $1250 5 mos 12. HSBC Discover 8/07 $1000 13. BOA 10/07 (AU) $3900 14. Chase Mtg 11/07 $126k 15. Cap 1 11/07 $500 cli 4/08 $1000 16. WAMU 11/07 $750 17. Credit Union 11/07 $15000 pers loan 18. Citifinancial 11/07 $7500 pers loan used money from 2 pers to fix up house. 19. GEMB Avalon(carp/flooring store) 11/07$3000 20. HSBC/Nautilis (Bowflex) 3/08 $1700 21. AMEX Green (no pre-set but I couldn't charge over $1500 w/o making a payment! LOL) I ended up charging $2515 first mo and paid off before closing date so we'll see what happens. 22. Walmart 3/08 $500 23. Lowes 3/08 $300 wouldn't give me a cli either :(. 24. Home Depot 3/08 $1500 funny thing is that I was declined on-line and a week later I was in store and tried again and approved! Go Figure! 25. Fashion Bug 3/08 $200 (daughter wanted it) 26. CU Visa 4/08 $5000 requested cli and got $12,000! 27. CU Auto Loan 4/08 $33k! Ok I think that's it! Don't ask me how cause I don't kno what happened it all seems like a blur. This time last year I had no credit, I struggled to pay cash for everything... OH WAIT I forgot 28. I had a Macys that I haven't used since 97 maybe and I was in the store 2/08 and they asked me if I wanted to apply and I said well I had Macys but I haven't used it in years and low and behold, the cashier looked me up and there it was still active with a $200 cl but a mo later 3/08 auto cli to $1000! Currently my scores are TU 642 EX 638 EQ 670 and they have fluctuated up and down over the past year my highest was probably EQ 685 in March 08. I usually pay in full or keep them under 35%. Whew!!! That's it I think!

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