Reply
Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

Going on a spree, need anything else?

Current cards:

Amex BCP $4/$2k

Chase Freedom $3.1/$5k

Discover IT $0/$5k

2x Merrick $200/ and $0/$1.9K

Amazon Store $0/~$3500 reported

Lowes $88/$5600 reported

Generic Capital One $0/$1800

 

 

UTL 10% reported right now INQ EX 3 EQ 7 TU 2

Score estimated around 730 for EQ and TU.  TU has one collection should be falling off in the next couple of months and EQ is clean.  EX has two collections falling off in the next couple of months.

 

Thinking DCU for low interest card, Sallie Mae for Amazon, and Walmart for TU score and it's GE so within a year I'll hopefully have a third $10k line from them.(Amazon and Lowes are both at $10k but haven't updated yet.)  

 

Ideally I'd wait until the reports are clean but I have some medical expenses coming up later this month for my daughter that I want the low interest DCU card to pay for.  Right now my lowest interest is 18.9%.

 

EX is pretty buggered with the two collections so I'm avoiding known EX pullers if possible.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Going on a spree, need anything else?


boomhower wrote:

Current cards:

Amex BCP $4/$2k

Chase Freedom $3.1/$5k

Discover IT $0/$5k

2x Merrick $200/ and $0/$1.9K

Amazon Store $0/~$3500 reported

Lowes $88/$5600 reported

Generic Capital One $0/$1800

 

 

UTL 10% reported right now INQ EX 3 EQ 7 TU 2

Score estimated around 730 for EQ and TU.  TU has one collection should be falling off in the next couple of months and EQ is clean.  EX has two collections falling off in the next couple of months.

 

Thinking DCU for low interest card, Sallie Mae for Amazon, and Walmart for TU score and it's GE so within a year I'll hopefully have a third $10k line from them.(Amazon and Lowes are both at $10k but haven't updated yet.)  

 

Ideally I'd wait until the reports are clean but I have some medical expenses coming up later this month for my daughter that I want the low interest DCU card to pay for.  Right now my lowest interest is 18.9%.

 

EX is pretty buggered with the two collections so I'm avoiding known EX pullers if possible.


I think the balances on the AMEX and Chase cards are kinda high to be apping at the current time.

 

Can you get them down first?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
Posts: 27,150
Registered: ‎09-13-2012
0

Re: Going on a spree, need anything else?

If your CS are over 700 you are looking at 9.5% (maybe 8.5%) with DCU. Your EQ is clean. I would apply with them.

Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Going on a spree, need anything else?

Amex is only $4. I know chase is high but unfortunately I really can't wait. I know approvals are going to straight forward, really just at what terms. Mainly looking to see if there are any other cards I need to include while I'm apping.
Moderator
Posts: 27,150
Registered: ‎09-13-2012
0

Re: Going on a spree, need anything else?

Have any interest in Citi? I think they pull EQ but could be wrong. Thinking when you get the DCU, you could use Citi for BT for the promo period.
Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Going on a spree, need anything else?


09Lexie wrote:
Have any interest in Citi? I think they pull EQ but could be wrong. Thinking when you get the DCU, you could use Citi for BT for the promo period.

Last Citi app I did they pulled EX.  I'd like to get in with Citi but am going to have to wait until EX is clean.  Applied before with two INQ's 700 FICO and 1% UTL and was denied due to the two collections, even at six years old at the time. 

Valued Contributor
Posts: 1,065
Registered: ‎03-16-2013
0

Re: Going on a spree, need anything else?

Before you go apping why don't you call some of your card companies and see if you can get them to lower your APR. 

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.