02-07-2013 11:35 AM - edited 02-08-2013 12:17 PM
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:
Visa @ my CU
|OPEN ACCOUNTS||Date Opened||LIMIT||BALANCE||30-DAY||60-DAY||90-DAY||120-DAY||NOTES/COMMENTS|
|ACS/BOFA||11/2005||$7,928.00||$7,921.00||02/2011||05/2010||06/2010||STUDENT LOAN - DEFERRED|
|FLSA/AES||10/2012||$1,400.00||$1,223.00||STUDENT LOAN - DEFERRED|
|FLSA/AES||10/2012||$2,334.00||$2,334.00||STUDENT LOAN - DEFERRED|
|FLSA/AES||05/2012||$3,539.00||$3,539.00||STUDENT LOAN - DEFERRED|
|FLSA/AES||05/2012||$1,658.00||$1,612.00||STUDENT LOAN - DEFERRED|
|FLSA/AES||05/2102||$4,194.00||$4,190.00||STUDENT LOAN - DEFERRED|
|FLSA/AES||09/2011||$4,500.00||$4,500.00||STUDENT LOAN - DEFERRED|
|FINGERHUT||04/2005||$135.00||$0.00||(I'VE NEVER USED THIS, DON'T KNOW WHY I EVER GOT IT HAHA)|
|LES SCHWAB||07/2004||$574.00||$0.00||06/2006||(LES SCHWAB SHOWS THIS CLOSED, BUT CR SHOWS OPEN)|
|CLOSED ACCOUNTS||Date Opened||Date Closed||Balance||30-DAY||60-DAY||90-DAY||120-DAY||NOTES/COMMENTS|
|ACS BOFA||09/2006||05/2012||$0.00||02/2011||05/2010||06/2010||STUDENT LOAN PAID AND CLOSED|
|SLFA||10/2003||05/2012||$0.00||02/2011||05/2010||06/2010||STUDENT LOAN PAID AND CLOSED|
|LES SCHWAB||07/2007||01/2010||$0.00||9/09 & 10/07||10/09 & 11/07||11/2009||HIGH CREDIT 463 / PAID AND CLOSED|
|CHARGE OFFS||Date Opened||DOFD||HIGH CREDIT||BALANCE|
|CAP ONE/HSBC||12/2006||08/2008||$638.00||$0.00||CHARGE OFF|
|CAP ONE/HSBC||03/2008||07/2008||$604.00||$0.00||CHARGE OFF|
02-08-2013 12:32 PM
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.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.