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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Best time to app?

When is the best time to app for anything? Because it seems that the beginning of the year has been best for me.... How about  everyone else what have you found?


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Contributor
Posts: 92
Registered: ‎09-23-2012
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Re: Best time to app?

Christmas Time!!!


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Current Score: 626
Goal Score: 700


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Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Best time to app?

I definitely see a lot of approvals and big CLI posts during the Christmas season.

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in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
Posts: 591
Registered: ‎05-05-2012
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Re: Best time to app?

^^^ Agree. Usually during xmas banks are more generous. Pretty obvious banks want to make bucks during that time of the year with all the holiday shopping.
Gardening Since: March 4, 2013.
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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: Best time to app?

+1

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Best time to app?

When your credit score is at its best :smileyhappy: 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
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Established Contributor
Posts: 666
Registered: ‎09-12-2011
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Re: Best time to app?

Anytime is a good time to app, provided your scores are good & utility is low. :smileywink:

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 808 2/10/15; EX 801 2/5/15 per MyFICO

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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: Best time to app?

For me, summer and fall have been good.   Spring not good.

Valued Contributor
Posts: 1,266
Registered: ‎09-22-2009
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Re: Best time to app?

When you need new credit that you'll actually use.

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
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Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
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Re: Best time to app?

When your scores are highest.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

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