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Here is what I have in the terms of credit cards
hsbc secured credit card credit limit $200 Date opened 11/2008 All payments have been on time
WFNNB Store Card credit limit $250 Date opened 11/2010 All Payments have been on time
Capitol One CC credit limit $300 Date opened 05/2011 All Payments have been on time
HouseHold Bank CC Credit limit $300 Date opened 05/2011 All Payments have been on time
I just applied yesterday for a jared store card and was approved for a $4000 CL
Then today I applied for a Discover More and was approved for a $1000 CL
If I can get 1 more good card with a good CL before these inquiries hit I would love to, I would then probably close the Capitol One and Household bank as there relatively new accounts with poor Cl.
Equifax is by far my better score Fico 639,all but 1 negative mysteriously disapeared last month
Transunion not sure Fico, but Fako is 625 and vantage is 703. 5 negatives reporting all but 1 will fall off in the next 6 months
Experian is reporting alot of negatives that the others are not Fako 575
there are around 6-7 hard inquiries reporting on each CA
Any help would be awesome.
Forgot to add I currently have 8% UTL
when you say before the inquires hit, my understanding is they usually hoit your report within minutes of applying
Maybe your right, did not know that
@Anonymous wrote:Here is what I have in the terms of credit cards
hsbc secured credit card credit limit $200 Date opened 11/2008 All payments have been on time
WFNNB Store Card credit limit $250 Date opened 11/2010 All Payments have been on time
Capitol One CC credit limit $300 Date opened 05/2011 All Payments have been on time
HouseHold Bank CC Credit limit $300 Date opened 05/2011 All Payments have been on time
I just applied yesterday for a jared store card and was approved for a $4000 CL
Then today I applied for a Discover More and was approved for a $1000 CL
If I can get 1 more good card with a good CL before these inquiries hit I would love to, I would then probably close the Capitol One and Household bank as there relatively new accounts with poor Cl.
Equifax is by far my better score Fico 639,all but 1 negative mysteriously disapeared last month
Transunion not sure Fico, but Fako is 625 and vantage is 703. 5 negatives reporting all but 1 will fall off in the next 6 months
Experian is reporting alot of negatives that the others are not Fako 575
there are around 6-7 hard inquiries reporting on each CA
Any help would be awesome.
Forgot to add I currently have 8% UTL
I don't see the point of closing the Capital One or Household unless AF is invovled.
How long do you plan to keep the HSBC secured card. I called them last week and they review for graduation at 18 months and every 6 months thereafter. They did not graduate for me at 18 months, so I closed it.
I would hate to close the HSBC as its by far my most aged card
@Anonymous wrote:I would hate to close the HSBC as its by fare my most aged card
That's a point. I almost kept to see if it would stay with HSBC or go to Capital One.