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Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012
0

Re: Finally Ready to App, Suggestions?

I knew you couldnt have a paypal smart connect and a paypal extras, I did not know about the Bill Me Later and Extras though.  Thank you for that information, knowing that will save me a lot of trouble.

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Frequent Contributor
kimmiller112
Posts: 472
Registered: ‎04-09-2012
0

Re: Finally Ready to App, Suggestions?


tray wrote:

Have you tried the web site,  who gave me credit , to see what other people were approved for barclay cards and with what scores at least you will have an idea, and it also shows what states?


That website is experiencing difficulties and has been every time I have tried going on it for the past month.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012
0

Re: Finally Ready to App, Suggestions?

Sadness... I guess I got the motivation to fix my Equifax today.  2% utility reporting and an Equifax FICO of 682.  Compare that to my Transunion Fico of 727 with 48% utility. All over a inaccurate medical bill from almost 6 years ago.  I am afraid to even try for Discover More or Bill Me Later

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Valued Contributor
jamesdwi
Posts: 1,970
Registered: ‎09-16-2011
0

Re: Finally Ready to App, Suggestions?


SoCalBound wrote:

Sadness... I guess I got the motivation to fix my Equifax today.  2% utility reporting and an Equifax FICO of 682.  Compare that to my Transunion Fico of 727 with 48% utility. All over a inaccurate medical bill from almost 6 years ago.  I am afraid to even try for Discover More or Bill Me Later


Bill Me Later is probably out of the question, in december I got a Tiger Direct via Bill Me Latercard 4k CL, used it to $2000, paid off in 6 months, Should of did all my shopping at once would of gotten 18 months no interest, but instead got 6 months and 12 month no interest but they always applied payments to both specials so it was imposible to pay off the 6 month no interest first. 9 months later the account is zero balance, I applied for a Paypal BillMeLater account denied, my score dropped to 685 because of INQ's and UTL is up to 22% and AAoA is down about 4 months So even a good current customer has very little impact on approvals and 680's is too low for them. 

 

 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012
0

Re: Finally Ready to App, Suggestions?

Just got my Fico Transunion score, 779.  Wow... (least til all my new accounts report, but still....)

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12

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