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Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

Best CC options for this 7hr history?

[ Edited ]

After getting rid of my last CAs this month, here is what is left on my 7yr history based off of my reports directly from EQ/TU/EX.  

 

I would appreciate input as to what cards I could realistically app for (and yes I've looked at whogavemecredit).....as well as what not to waste my time with.   Current FICOs in siggy, but scores should be going up a bit in next few weeks.

 

OH and I have 2 hard inquiries, one 12/2012 and the other 7/2011

 

I was thinking of apping for:

 

Lowes

Macys

Visa @ my CU

Wal Mart

 

 

OPEN ACCOUNTSDate OpenedLIMITBALANCE30-DAY60-DAY90-DAY120-DAYNOTES/COMMENTS
ACS/BOFA11/2005$7,928.00$7,921.00 02/201105/201006/2010STUDENT LOAN - DEFERRED
FLSA/AES10/2012$1,400.00$1,223.00    STUDENT LOAN - DEFERRED
FLSA/AES10/2012$2,334.00$2,334.00    STUDENT LOAN - DEFERRED
FLSA/AES05/2012$3,539.00$3,539.00    STUDENT LOAN - DEFERRED
FLSA/AES05/2012$1,658.00$1,612.00    STUDENT LOAN - DEFERRED
FLSA/AES05/2102$4,194.00$4,190.00    STUDENT LOAN - DEFERRED
FLSA/AES09/2011$4,500.00$4,500.00    STUDENT LOAN - DEFERRED
FINGERHUT04/2005$135.00$0.00    (I'VE NEVER USED THIS, DON'T KNOW WHY I EVER GOT IT HAHA)
LES SCHWAB07/2004$574.00$0.0006/2006   (LES SCHWAB SHOWS THIS CLOSED, BUT CR SHOWS OPEN)

 

 

CLOSED ACCOUNTSDate OpenedDate ClosedBalance30-DAY60-DAY90-DAY120-DAYNOTES/COMMENTS
ACS BOFA09/200605/2012$0.00 02/201105/201006/2010STUDENT LOAN  PAID AND CLOSED
SLFA10/200305/2012$0.00 02/201105/201006/2010STUDENT LOAN  PAID AND CLOSED
LES SCHWAB07/200701/2010$0.009/09 & 10/0710/09 & 11/0711/2009 HIGH CREDIT 463 / PAID AND CLOSED

 

CHARGE OFFSDate OpenedDOFDHIGH CREDITBALANCE 
CAP ONE/HSBC12/200608/2008$638.00$0.00CHARGE OFF
CAP ONE/HSBC03/200807/2008$604.00$0.00CHARGE OFF
Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

Re: Best CC options for this 7hr history?

OH and are any of the Discover cards a possibility?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
New Contributor
Robertwd82
Posts: 71
Registered: ‎11-19-2012
0

Re: Best CC options for this 7hr history?

i would apply for CU first, Discover 2nd, then get the walmart and if approved for walmart then try other ge cards.  I just got approved for discover with a 641 ex fico with 25 inquiries. 

 

You shouldnt have a problem getting the walmart card so get that one after so the walmart inquiry doesnt show for Disc. or any other prime cards you want to apply for first.


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