I just checked my reports today, curious to see who pulled which bureaus after yesterday's app spree. I was surprised to see that Citi pulled both EQ and EX! While I'm not thrilled about taking more than one hit per card, I'm still so over the moon happy about the approval that I'm not going to complain. Inqs fade and fall off, but my plan is for the card to stay.
As for the rest, Discover pulled TU, BoA pulled EX and WF pulled EX. So, that's three pulls on EX. That gives me whopping 7 on EX, with three of them falling off between now and the spring. It's really starting to look like I'm done and getting ready to head back to the garden.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Out of curiosity Tinu, I'm surprised you didn't apply for an Amex revolver with your scores and your history on your Green, and while I don't know the full reward structure on the rest of your cards, I thought one of the BCE/P line would've fit in well?
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
Revelate wrote:Out of curiosity Tinu, I'm surprised you didn't apply for an Amex revolver with your scores and your history on your Green, and while I don't know the full reward structure on the rest of your cards, I thought one of the BCE/P line would've fit in well?
Because it's August. If I do decide to try for a BCE, it would be in January for maximum backdating.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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