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|
OH and are any of the Discover cards a possibility?
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.