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@dabrian wrote:I have been in the garden for six months and i finally decided to app for a decent reward card. Nervously hit the apply and was approved for 4k Current Utilization is at 1% fwiw reporting on all three credit reports.
Way to go! Congrats!
TY everybody.
Income=82k
AAOA=3 years
time since last neg=2.4 years
Worst status is a paid chargeoff with FP from 4 years ago.
Equifax fico=673
Walmart trans=680
EXP faco (quizzle) 732
WM store 0/800, Lowes 0/800, GE Money 0/3500, cap one platinum 100/1500, NCSECU 0/2000, AU on wifes discover 0/2000
Two current auto loans that along with the CU card only report on Equifax
Inquires= 4 in the last year but 0 in the last 6 months.
@dabrian wrote:TY everybody.
Income=82k
AAOA=3 years
time since last neg=2.4 years
Worst status is a paid chargeoff with FP from 4 years ago.
Equifax fico=673
Walmart trans=680
trans faco (quizzle) 732
WM store 0/800, Lowes 0/800, GE Money 0/3500, cap one platinum 100/1500, NCSECU 0/2000, AU on wifes discover 0/2000
Two current auto loans that along with the CU card only report on Equifax
Inquires= 4 in the last year but 0 in the last 6 months.
Quizzle is based off your EXperian CR.
@Shogun wrote:
@dabrian wrote:TY everybody.
Income=82k
AAOA=3 years
time since last neg=2.4 years
Worst status is a paid chargeoff with FP from 4 years ago.
Equifax fico=673
Walmart trans=680
trans faco (quizzle) 732
WM store 0/800, Lowes 0/800, GE Money 0/3500, cap one platinum 100/1500, NCSECU 0/2000, AU on wifes discover 0/2000
Two current auto loans that along with the CU card only report on Equifax
Inquires= 4 in the last year but 0 in the last 6 months.
Quizzle is based off your EXperian CR.
Nice catch. I'll edit the post.
Decided to go ahead and apply for the Discover IT since I have already have two hard inquires yesterday and was approved for 5k The capitol one is gonna be permanently in the SD and the GE Money card I'll probably go ahead and cancel. BTW with the increases I have had on my walmart and Lowes card that haven't reported yet my total CL has increased from 8600 to 19,200 this month alone. TY to everyone in this forum.