Approval Suggestions

[ddemari]

After checking my three fico scores, I am sitting at Equifax 640, Experian 641 and Transunion 688. Any recommendations for what card to apply for? I want to app for someone that will pull transunion. I did open a barclay apple card about 3 months ago, not sure if that is too soon to app again for something else? 

[p-]

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@ddemari wrote:

After checking my three fico scores, I am sitting at Equifax 640, Experian 641 and Transunion 688. Any recommendations for what card to apply for? I want to app for someone that will pull transunion. I did open a barclay apple card about 3 months ago, not sure if that is too soon to app again for something else? 

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Capital One should let you in with those scores,

[youdontkillmoney]

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@p- wrote:

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@ddemari wrote:

After checking my three fico scores, I am sitting at Equifax 640, Experian 641 and Transunion 688. Any recommendations for what card to apply for? I want to app for someone that will pull transunion. I did open a barclay apple card about 3 months ago, not sure if that is too soon to app again for something else? 

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Capital One should let you in with those scores,

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^^^

Also consider Discover.

[myjourney]

TU pullers GE and Barclay

More info needed about profile for card suggestions

Baddies

Current CC's 

AAoA

UTL

INQ's in the last year

[ddemari]

Quicksilver MC- 2 k limit

Quicksilver MC- 3 k limit

Quicksilver MC - 2.5 k limit 

Barclayapple visa - 1400 limit

Merrick bank visa - 1200 limit

Amazon store card- 600 limit

Gap store card- 500 limit

Target red card - 300 limit

Fingerhut - 2300 k limit

I have 2 baddies on my account from 3 1/2 years ago.

Credit History - 12.2 years

Average age of accounts - 5.2 years

bankruptcy from 9 1/2 years ago. 

I do have a lot of inquires on my report - 8 from the last year. 

My utilization is at 11%.

Thanks!

[myjourney]

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@ddemari wrote:

Quicksilver MC- 2 k limit

Quicksilver MC- 3 k limit

Quicksilver MC - 2.5 k limit 

Barclayapple visa - 1400 limit

Merrick bank visa - 1200 limit

Amazon store card- 600 limit

Gap store card- 500 limit

Target red card - 300 limit

Fingerhut - 2300 k limit

I have 2 baddies on my account from 3 1/2 years ago.

Credit History - 12.2 years

Average age of accounts - 5.2 years

bankruptcy from 9 1/2 years ago. 

I do have a lot of inquires on my report - 8 from the last year. 

My utilization is at 11%.

Thanks!

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IMHO 

Garden the cards you have another 6 months and continue to let your scores climb

3 baddies and 8 INQ's in the last year needs time to adjust 

Discover may approve you now but would be high APR and a very small limit 

Walmart may approve now and is a TU puller along with a free Fico monthly 

But with a little more time I think you can get Discover or Freedom

[ddemari]

Thanks! I am going to garden because Discover is the card I want. I applied back in March and was declined. 

[myjourney]

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@ddemari wrote:

Thanks! I am going to garden because Discover is the card I want. I applied back in March and was declined. 

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Probably a good move Discover is known to pull EQ mostly but have also pulled TU depending on region

[ddemari]

I am in Illinois, when I applied in March they pulled EQ, back in November they pulled Transunion.

[ExplicitElicit]

Garden and look into SP cli's on those card if you can.