http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/357993#M33962 OK so here I am, my scores are finally decent enough (I hope) to apply for a CC...my goal is to get my scores above 700 (a year and a half ago they were in the high 500's/low 600's).  Now Tu 675, Ex 695 and Eq 745.  I have a car loan now for three months, paid on time SCRUPULOUSLY....I am working on getting two old (2002) and paid medical collections deleted using the Hippa process. Now I think I need to apply for a CC or a store card to help  my score.  What do you think?  Which is easier to get and which will help my score more?  I hate to apply for something now and get a hard pull on my report and not be approved!  Do you think I should wait a couple of months until everything in the banks and wall street settles down?  Just go for a store card?  Any advice is much appreciated!!  Thu, 09 Oct 2008 11:17:33 GMT groomershears 2008-10-09T11:17:33Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/357993#M33962 OK so here I am, my scores are finally decent enough (I hope) to apply for a CC...my goal is to get my scores above 700 (a year and a half ago they were in the high 500's/low 600's).  Now Tu 675, Ex 695 and Eq 745.  I have a car loan now for three months, paid on time SCRUPULOUSLY....I am working on getting two old (2002) and paid medical collections deleted using the Hippa process. Now I think I need to apply for a CC or a store card to help  my score.  What do you think?  Which is easier to get and which will help my score more?  I hate to apply for something now and get a hard pull on my report and not be approved!  Do you think I should wait a couple of months until everything in the banks and wall street settles down?  Just go for a store card?  Any advice is much appreciated!!  Thu, 09 Oct 2008 11:17:33 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/357993#M33962 groomershears 2008-10-09T11:17:33Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/358054#M33973 <blockquote><hr>groomershears wrote:<br>OK so here I am, my scores are finally decent enough (I hope) to apply for a CC...my goal is to get my scores above 700 (a year and a half ago they were in the high 500's/low 600's).  Now Tu 675, Ex 695 and Eq 745.  I have a car loan now for three months, paid on time SCRUPULOUSLY....I am working on getting two old (2002) and paid medical collections deleted using the Hippa process. Now I think I need to apply for a CC or a store card to help  my score.  What do you think?  Which is easier to get and which will help my score more?  I hate to apply for something now and get a hard pull on my report and not be approved!  Do you think I should wait a couple of months until everything in the banks and wall street settles down?  Just go for a store card?  Any advice is much appreciated!! <hr></blockquote><p> </p>I think you'd have pretty good chances with your EQ score.  Find a CCC that is tolerant of baddies and that pulls EQ (sorry I don't know a specific one to recommend). Thu, 09 Oct 2008 14:12:24 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/358054#M33973 rebuilder 2008-10-09T14:12:24Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/358463#M34088 YMMV, but CITI is a big EQ puller. Thu, 09 Oct 2008 23:37:40 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Applying-for-CCs-in-this-economy/m-p/358463#M34088 fused 2008-10-09T23:37:40Z