11-06-2012 09:56 PM
You might get approved but your limits are going to be low.
20k income doesn't get you very far, especially in California. You really need to work on improving your income and letting some of those inqs fall off. Without a higher income, you'll soon hit a (very low) glass ceiling that you won't be able to move beyond. Scores will be secondary at that point since with virtually no income, lenders will have serious doubts about your ability to spend and repay.
11-07-2012 07:27 PM - edited 11-07-2012 07:32 PM
your income is not the problem...i got the cards i got now on $22K/year. Had no issues at all. You should be okay IF you get those INQ's gone. Pretty sure with that many on EQ you'll get denied.