Credit Card Center Advertiser Disclosure

Reply
Established Member
Posts: 50
Registered: ‎07-08-2013
0 Kudos

Best Plan to Apply For Some Cards without Too Much Damage to Score

I'm currently waiting 6 months for my credit score to reboound. I made a list of all the card I want to apply for inorder to get the signing bonus and etc. There are 4- 6 cards I really want to get but I don't want to cripple my score. What is the best way to apply for all these cards beginning in February 2014? Thanks for your help

 

Amex BCE, (I might app for PRG if this gets approved)

 

Cap 1 Quicksilver Cash

 

Barclay Rewards Card

 

Oregon Ducks Visa

 

BOA Better Rewards

Frequent Contributor
Posts: 283
Registered: ‎12-16-2011
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score

I can highly recommend the AMEX BCE because I recently was approved for a significant credit limit and they pulled my Experian only which was nice because I didn't have any inquiries on my Experian. Idon't know about the other cards you have listed. Do you happen to know your EX score?

Equifax FICO 781, Transunion FICO 821, Experian FICO 807,

810 goal on all three by 3-1-2015
Regular Contributor
Posts: 156
Registered: ‎04-07-2013
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score

Amex pulled TU for my BCE this month.
Frequent Contributor
Posts: 283
Registered: ‎12-16-2011
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score


CollegeStudent530 wrote:
Amex pulled TU for my BCE this month.

I guess that reaffirms that not everything is equal in the credit world. I was under the impression that AMEX pulled EX exclusively. I learn something new every time I get on the forums. 

Equifax FICO 781, Transunion FICO 821, Experian FICO 807,

810 goal on all three by 3-1-2015
Established Contributor
Posts: 502
Registered: ‎04-17-2013
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score


CollegeStudent530 wrote:
Amex pulled TU for my BCE this month.

Is your EX frozen? If not, did they pull EX as well?


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Regular Contributor
Posts: 156
Registered: ‎04-07-2013
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score

I actually don't know if they pulled any of the other credit bureaus or not. In my welcome package, the credit score said it was provided by Transunion. I did and still currently have a fraud alert on file with all 3 bureaus. Maybe this had something to do with it?

 

Frequent Contributor
Posts: 254
Registered: ‎12-29-2012
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score


CollegeStudent530 wrote:

I actually don't know if they pulled any of the other credit bureaus or not. In my welcome package, the credit score said it was provided by Transunion. I did and still currently have a fraud alert on file with all 3 bureaus. Maybe this had something to do with it?

 


Off topic, but was it an instant approval when you applied for the AMEX even with the fraud alerts?

Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Regular Contributor
Posts: 156
Registered: ‎04-07-2013
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score

Applied on a Saturday and got the "Under review" message. Called the recon department on Monday to clear up the fraud alert by calling my cell number that was on the alert. 

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score

You might have been triple pulled and TU was the report they used for approval.
Community Leader
Valued Contributor
Posts: 1,413
Registered: ‎07-12-2011
0 Kudos

Re: Best Plan to Apply For Some Cards without Too Much Damage to Score

+1

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.