Go Go Hooters!

[Amy26]

Wow! I'm so shocked and happy! Hooters approved me with no annual fee and a 1,100 limit with a 16.70% rate! My credit quest is now over. I have 1 department store card, 1 master card, 1 car loan and 1 private student loan showing up. So, I think I'm good now!

I think I got such good terms because my trans union score is at 691. I'm not sure how or why... I only 1 thing I needed to dispute on trans union which was just a balance showing on one of my discharged cards.

Annoying that my equifax score is still so low... its at like 571 experian is 641 and trans union is 691. Odd that they are all so varied.

Anyways, I'm glad for this site cause I never would have known about this card!

[aces67]

Congratulations!!

[AngelinaCatHub]

Play it safe, Amy, Use them wisely. You just got your new start. Daddy 'Hub. LOL.

[dub]

Congratulations!

[music12]

hi amy, 'grats!

today i pulled my equifax fico from score-watch. i was surprised to see it was 690!!

i haven't applied for new credit, but (as you know) some of my old credit cards never got closed and i have been using them regularly for small amounts. that seems to have a good effect on my score, together with the fact that there have been zero inquiries

[Amy26]

Hiya Music! Haven't seen you around in a while! Glad to hear your scores are doing well too! I'm very surprised at mine being 691... I don't think my score was that high before I filed.. hehe.

Yea you lucky duck with your old cards. I will stop trying to get credit now... I know all the inqueries from trying to get car financing and the credit cards is not good.

I think inqueries are stupid though... of course people are going to shop around and try to get good offers... I guess they expect you to only apply to one place and if you don't get it oh well!

[music12]

i also think inquiries are silly, at least the way they are doing them now. at least i think they should count multiple inquiries within say a week as just one. they already do that for mortgages and i think car loans, and they should do the same with credit cards.

btw, i always meant to ask you: what do you mean by "nobody expects the spanish inquisition" in your signature? are you referring to what might happen at the 341?

cheers, and enjoy your new-found credit!

[Amy26]

You must be a monty python fan to understand that quote.

[music12]

ok! i'll put that on my list of things to do.

[riff]

" Go Go Hooters!
Wow! I'm so shocked and happy! Hooters approved me with no annual fee and a 1,100 limit with a 16.70% rate!"

I got the same deal. I was discharged 12/22/09. Applied on 12/31/09. Got my card around 1/09/10. A complete surprise.

[riff]

Wow! I'm so shocked and happy! Hooters approved me with no annual fee and a 1,100 limit with a 16.70% rate!

I got the same deal. Got BK 7 discharge on 12/22/09. Applied 12/31/09. Got card around 1/9/10. A complete surprise!

[Amy26]

Yup yup... I really like the card...they do hold my payments for like 5-7 days though but I'm ok with that. I don't want to be using it constantly anyways. My payments have been really large though so that could be why.

[My4mgirls]

I looked up the website to apply....and it keeps giving me an error message.

[riff]

I got an error message also when I applied...

but I got an alert from Truecredit.com (credit bureau monitoring service) that I had an inquiry from Merrick Bank so I knew the application went through. I would call them to see if it went through.

[mom2three09]

Congrats Amy on your new Hooters

Just curious if anyone who has gotten approved for Hooters after they BK'd them Dh and I had cards from them that we IIB so I'm thinking it wouldn't do us any good applying with them