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I'm looking to apply, any suggestions?

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quarius
Regular Contributor

I'm looking to apply, any suggestions?

My score is now the highest i've seen it at 766 equifax, I didn't check the others do u think i should pay $20 for the other 2 or just go with it now as i have a good idea were i stand? I got invited for the City Simplicity a few weeks ago and am going for that but I wan't to add to my file, everything is excellent now across the board. Happy New Year everyone and this year has already started great for me.

{NFCU-25k}{NFCU-Flagship-25k}{Saphire-15k}{BOA-25k}{DCU-10k}{Slate-7200}{FirstNat-4k}{DiscoverIT-6k}{CitiCash-$4100}{AmexBCE-$8500}{Venture-$6500}
12/23/18 [Experian-Fico 799][TU-Fico799][Equifax-Fico786]
Message 1 of 23
22 REPLIES 22
pembrokepride
Contributor

Re: I'm looking to apply, any suggestions?

If you can afford it I would check the other 2 just for peace of mind. Just because 1 bureau is good there could be wrong information on the other 2. Happy New Year.

In garden as of 04-06-14 to 12/01/14

Starting score EQ MyFico 646 11/29/13 Current 691 EQ MyFico SW 04/03/14
Starting score EX MyFico 657 12/01/13 Current 686 EX MyFico 03/01/14
Starting score TU MyFico 627 12/02/13 Current 696 Barkclay 03/26/14
Message 2 of 23
slap_happy
Frequent Contributor

Re: I'm looking to apply, any suggestions?


@pembrokepride wrote:

If you can afford it I would check the other 2 just for peace of mind. Just because 1 bureau is good there could be wrong information on the other 2. Happy New Year.


+1




Message 3 of 23
quarius
Regular Contributor

Re: I'm looking to apply, any suggestions?

Ok I bought them just now Experian 747 and Trans 744. What do u guys think?

{NFCU-25k}{NFCU-Flagship-25k}{Saphire-15k}{BOA-25k}{DCU-10k}{Slate-7200}{FirstNat-4k}{DiscoverIT-6k}{CitiCash-$4100}{AmexBCE-$8500}{Venture-$6500}
12/23/18 [Experian-Fico 799][TU-Fico799][Equifax-Fico786]
Message 4 of 23
samm90
New Contributor

Re: I'm looking to apply, any suggestions?

What kind of cards are you looking for?
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Message 5 of 23
quarius
Regular Contributor

Re: I'm looking to apply, any suggestions?


@samm90 wrote:
What kind of cards are you looking for?

Low interest cards. Maybe a few rewards cards.

{NFCU-25k}{NFCU-Flagship-25k}{Saphire-15k}{BOA-25k}{DCU-10k}{Slate-7200}{FirstNat-4k}{DiscoverIT-6k}{CitiCash-$4100}{AmexBCE-$8500}{Venture-$6500}
12/23/18 [Experian-Fico 799][TU-Fico799][Equifax-Fico786]
Message 6 of 23
samm90
New Contributor

Re: I'm looking to apply, any suggestions?

Barclays ring for low interest. It is on my short list. Happy with my Freedom IT BCE combo.
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Message 7 of 23
longtimelurker
Epic Contributor

Re: I'm looking to apply, any suggestions?


@quarius wrote:

Ok I bought them just now Experian 747 and Trans 744. What do u guys think?


Too late now but I don't recommend buying TU from here, it's a fairly old model (TU98) that not many issuers use.  Get the free annual credit report for TU, and either don't worry about the score (just check for errors on the report) or get Walmart/Discover/Barclays etc, that now offer a free TU 08

Message 8 of 23
samm90
New Contributor

Re: I'm looking to apply, any suggestions?

Unless you want a 0% promotion, besides barclays I'd check out your local credit unions for low interest.
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Message 9 of 23
quarius
Regular Contributor

Re: I'm looking to apply, any suggestions?

Just applied for City Simplicity and was instant approved for $7200. I already have a walmart card just not in my sig. Barclays i heard is to strict with other new inquireis which im trying to apply for a few cards not just one.

{NFCU-25k}{NFCU-Flagship-25k}{Saphire-15k}{BOA-25k}{DCU-10k}{Slate-7200}{FirstNat-4k}{DiscoverIT-6k}{CitiCash-$4100}{AmexBCE-$8500}{Venture-$6500}
12/23/18 [Experian-Fico 799][TU-Fico799][Equifax-Fico786]
Message 10 of 23
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