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

Established Member

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

Message 1 of 20
19 REPLIES
Frequent Contributor

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
Message 2 of 20
Regular Contributor

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

Amex pulled TU for my BCE this month.
Message 3 of 20
Frequent Contributor

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
Message 4 of 20
Established Contributor

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
Message 5 of 20
Regular Contributor

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?

 

Message 6 of 20
Frequent Contributor

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
Message 7 of 20
Regular Contributor

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. 

Message 8 of 20
Moderator Emerita

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.
Message 9 of 20
Community Leader
Valued Contributor

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

Message 10 of 20