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65 inquires on equifax and experian, 18 on transunion

Frequent Contributor

Re: what are some of the benefits of a visa signature freedom...

I agree

Message 31 of 52
Senior Contributor

Re: what are some of the benefits of a visa signature freedom...

The Credit One app was a misstep, like taking ten steps back Smiley Sad No more apps, PLEASE especially do not apply for any more bottom feeder fee harvesting cards, you will thank yourself in the long run.Try to get it cancelled and permanently removed from reporting on cbr.

 

Already had Chase and a couple of solid builder accounts, Credit One should not have even been a consideration at all at that point, or ever really. There are always better options, like your Cap1s for e.g.

 

Uderstandable you were apparently going for a dilutional effect- building good accounts to lessen the impact of some neg history, which is a good strategy in general but in rebuilding, starting with up to 3 solid accounts (which you already have) is sufficient. Then garden watching credit profile improve over time before adding more. By doing so, will be granted higher limits and better terms when are again ready to app.

 

FP, Credit One, etc are expensive eye sores on a cbr that will not necessarily preclude an AMEX approval going forward but could bring AMEX pause for the PP reasons.

 

Enroll yourself in "retraining camp" resolving not to finance auto or other purchases beyond current means if wanting to build solid credit for the future and ultimately obtain the 0-1.99% auto financing that can be yours after strenthening profile. It will be well worth the wait.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 32 of 52
Valued Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

I just don't see how you expect to get a decent rate with 21 auto lates being reported. It just isn't going to happen unless you've been with your credit union for a long time. Is that loan now paid off? If so I would be begging them to delete the entire tradeline. There is no way you could possibly add another prime card. The lates then the inquiries then your scores is what will prevent it. Its just going to be hard for a lender to take your seriously. On paper you look desperate and can't pay your bills on time.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 33 of 52
Valued Member

Re: 65 inquires on equifax and experian, 18 on transunion

Something stinks here...

Citi Simplicity - $7400, 0% APR until April 2013, 13.99 afterwards
Chase Freedom - $5000, 11.99% APR
Barclays Priceline - $8500, 16.24% APR (This needs fixed!)
Discover More - $7500, 0% APR until March 2014
HSBC 'Platinum' - $1600, 19.99% APR (Only around for the age)
AmEx Zync - NPSL, He doesn't get much action these days
Message 34 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

OP seems to be going thru appbar syndrome. What you have to do is step back and re-think your situation and how you handle things because how you are doing them now is heading for disaster and quickly. i didn't even see you just got a credit one card...that is such a horrible decision considering what cards you already have. Only thing i can suggest is to stop apping for ANYTHING and spend time reading the stickies and posts on this board to better understand credit and it's benefits. Also, i wouldn't activate that credit one card if you haven't already because it's not gonna benefit you any.

Message 35 of 52
Established Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

+100000000

Message 36 of 52
Established Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

+1000000

Message 37 of 52
Valued Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

Here we go again
ccpics2.jpg
Message 38 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

Acura, BMW, Infiniti, Lincoln... Hesse are all luxury brands.  Did you state your income?  Sounds a little excessive.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 39 of 52
Valued Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

You should get a share (savings) secured loan at a credit union to build a positive installment loan tradeline.
Message 40 of 52