09-13-2012 09:55 AM
long time reader, first time poster. Learned a lot here, thank you for this. Now I have a few question about my journey.
I am from Europe, working here since March for an indefinite time. Opened my first credit card in March after receiving my SSN. I now have:
I also bank with Alliant since April. So I guess I am in prime land a little bit with Alliant, even so the limit is not big yet.
Always PIF, in the moment my Util is 29%, but only because I was on vacation last months and did miss to pay before the statement cut on my secured CapOne. Will be back to 0% end of next week, after all cards have updated.
I have 4/6/3 inq. on my reports (TU/EQ/EX), no recent one. Last inq. is from May. Ofc no lates or other negs. No Fico yet, but have also not tried to get it. Should I? Credit karma tells me 681 (714 according to the simulator once my Util is 0% again), credit sesame 701.
I travel a lot for my company and also pay everything of my private life with credit card. Most of this with my Alliant Visa. Of course I do couple of payments a months with the actual limit. At least Allinat does not mind that, CapOne always wants to verify the payments and places a hold on them. Even on the secured card ... well, well. That´s the way it is. Happy there is CapOne for building/rebuilding but ...
So, I am now at almost 6 months history. Anything I can do, should do? I would like to have a card with higher limit ofc. And would like to get into Amex ofc. I guess charge will be the first to go, even so Delta Amexco (I fly always Delta) will be a future goal.
Any advise, when I could try Amex? Or any other card I could try? Or maybe try to increase the Alliant limit?
If it matters, income is near 6 figures (mine not household), so this shouldn´t be an issue in getting a prime card I think.
Thanks all in advance for the advice.
09-13-2012 10:00 AM
Increase limit for Allient.....more deposit on Capirtal one if you can afford it....
Amex zync ......you still new.....some maybe just 1 department card ....like gas card ......Macy or Walmart.....
09-13-2012 10:02 AM
YES AMEX! - Apply for Zync.
Wait 6 months on CLI Alliant
I WOULD pull at least your TU from here at myFico.
Also check "Pre-Approved" at Discover Card. - I have not seena pre-approval offered and then denied, but I would not apply without the offer.
If you get Zync, and then get CLI in couple months from Alliant I would then check Discover again for Pre-Approval and pick a Citi Card - Probably Forward in my opinion (not student) You won't be able to check for pre-approval but it would be worth the INQ if you ask me because next to Amex and it's 3x CLI on revolvers Citi gives the biggest and most often CLI without HP Credit Report each time... I believe Alliant does do HP though!
09-13-2012 10:05 AM
She only had credit file for 6 months I'm doubt to get approved for Discover......
09-13-2012 10:07 AM - edited 09-13-2012 10:08 AM
Yes Alliant CLI is hard, okay I wait until I have a little more history with them.
Try Zync now (after my Util has gone down next week)?
No pre approvals from Discover or Amex, checked this morning
I will keep Citi in mind for near future (after CLI from Alliant)
What if I pull TU Fico here and still have no Fico, will I get an information once first score is available?
Btw He not she :-)
09-13-2012 10:11 AM
Oh sorry he...LILO...you can find out about those stuff on the main menu ......Fico product......
09-13-2012 10:12 AM
He He no problem
Will do so
09-13-2012 10:14 AM
Im not sure Fico charges you if you have no file available?
I dont' think a little Util. will hurt you with a card like Zync.
new or not the pre-approval on Discover I have found to not fail in the multiple apps I have seen... so id keep using it.
09-13-2012 10:17 AM
Thx, will try my score when I have little time (at work right now) and Zync on the weekend
will report the results ofc
keep my fingers crossed
09-13-2012 10:44 AM
If CreditKarma and CreditSesame give the OP scores, doesn't this mean the OP has a file on TU and EX, at the very least? Otherwise CK/CS wouldn't be able to generate a score... no?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.