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Please consider the following information about my credit:
1. Credit history (based on the oldest account age)- 10 months old
2. total accounts 7:
Installment Loans:
Auto Loan - Principal:$12000 -Balanace : $9800 - Age: 10 months
Secured PL - Principal:$5000 -Balance: $4650 - Age: 4 months
Credit Cards:
First Premier Bank - CL: $250 - Age: 5 months - Balance: $7 (as of today $0)
CapOne - CL: $750 - Age: 5 months - Balanc: $1(as of today $0)
Macy (Charge card) - CL: $200 - Age: 4 month- Balance:$24 (as of today $24)
DCU (secured) - CL:$500- Age Age:4 months - Balance:$0( as of today $0)
CEFCU - CL:$1000 - Age: 1 day - Balance:$53 ( charged today only, and planning to pay in a couple of days)
3. Inquiries:
TU : 14 (this includes 1 inquiry for my rented apt) (from FICO credit monitoring)
EQ: 8 ( this includes 2 inquiry from AT&T Wireless Service) (from TrueCredit)
EX: 6 ( this includes 1 inquiry from AT&T Wireless Service) (from TrueCredit)
I really want to improve my scrore as soon as possible to cross 750 mark. I do not want to apply until i am sure of approval (as already applied blindly in the past).
I request all the Gurus to help me achieving my target and suggest me what course of action i should follow. I think if i do not apply and increase my credit limits i will never be able to reach my target score. I would really appreciate you expert's suggestions and guidance.
Thanks.
09/25/2009 TU: 678
09/23/2009 EQ:683
09/23/2009 EX:714 (from TrueCredit )
I'd say probably just keep what you have. Your average account age could use some aging. Seems your doing a great job at keeping utilization down on your revolving balances, and installment loans add a good mix.
Considering the currect credit conditions, this is impossible to predict. It looks like you have too many accounts that aren't yet established. I would allow these accounts to age further before applying.
However, keep doing what you're doing and that will give you the best chance for approval.
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
Thanks Uncle_Money! How much time would you suggest i should wait for before my next application.
I really want to have a credit card from prime lender with a $10k CL.
@alex65 wrote:
But if i want to apply, can any one suggest (based on my credit profile mentioned above) where i can get 100% approval?
I doubt any member can guarantee, what you ask , an approval of an unsecured CC. IMHO
@alex65 wrote:
But if i want to apply, can any one suggest (based on my credit profile mentioned above) where i can get 100% approval?
You have little to no chance of getting a prime card with all your new accounts. That's the reality of it. Sorry.
I have poured almost every relavent bits of information i could have about my credit profile, and i just thought may be someone at the forum could suggest me a card i could get without a denial.
I have glued myself for more than 2 hours on this forum just waiting for some home. And i sincerely thought some one could analyse my case and could help me.
Now, i guess, i cant be approved for a card at this point with 100% assurance.
Still, if anyone could suggest me anything, i would be grateful.
Thanks!