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 05:26 PM
Hmmm well my wife isi gonna apply and see what happens I dont ant to apply for my scores are low and curently app free since june 2012. Thanks! 500 will be good for now.
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.
11-26-2012 12:01 PM
Sorry for the late response and thanks for the info now i know that the my income wouldnt the be a problem but the inquiries will . Thanks! @Mike360
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