Bella1980 wrote:Gordon, no I don't know my job,sorry for the confusion.I am currently finishing up law school, and that will leave me with $100,000 total in student loan debt, not looking forward to that and not sure how that will effect my reports.I will be traveling alot because my family is located all over the world now and I'm hoping to get a job that allows me to travel alot.I am also thinking about going on to get a another degree but this would leave me with another $50,000 in debt, which I am really scared about. Actually, the $100K is already making me sweat but I'll battle that when I get to it.That's an awful lot of debt. Education is a personal choice, but... maybe you are looking at a BigLaw job in the $150k-200k range. Another degree? IANAL but not sure how another degree will help your earning potential.I just pulled my Fico scores yesterday so I don't know if pulling them at the end of the month is too soon. I am planning on pulling them in September again to see where things stand.Need to know if your CR show all the apps/INQs. If they do, then you know where you stand. Also any new CC probably isn't showing yet. Those new TLs will drop your score most likely initially due to avg age of accounts. After a couple of months scores should begin to rise assuming Pays as agreed.I am hopeful that things will be ok. I will try and research cards that I want to apply for in the future so I know where I have to be when I apply.Also, I should make sure that I have no recent inqs for apps or new accts for at least a year before I try to buy a house?Again, it depends. An automated approval will look at your scores, which will improve one year from all INQs and all new TLs reported assuming Pays as agreed and low UTIL. 2 years after INQs, you will have a much cleaner CR.
I totally agree with this statement. I would wait atleast a year or more before applying for anything else. Is there are specific reason your goal is to obtain a prime card by May? Or was that just a personal goal? If it's personal, def. hold off!
mjbfan79 wrote:OMG Bella chill out ok take a break for a year or 2