Reply
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: HELP! Need some good cards to apply for fast!

Hey summerhunny11!

Congrats on the excellent auto!  NICE!

Question:  how old are your medical collections?


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Moderator
09Lexie
Posts: 26,273
Registered: ‎09-13-2012
0

Re: HELP! Need some good cards to apply for fast!

Discover, Freedom, Amex PRG, not sure if any if these cc's are easy but they are not difficult. Since you are a business, you are already waiting for Chase to finish review-
What hotels, airlines do you use?
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: HELP! Need some good cards to apply for fast!

I wouldn't try Freedom just yet until you get an answer on the current app.

I think that with your TU score, I'd be looking at some Barclay rewards cards. 

Let me know on the med collections age.  I wouldn't app the PRG if they are recent. :smileyhappy:


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Contributor
summerhunny11
Posts: 76
Registered: ‎03-14-2013
0

Re: HELP! Need some good cards to apply for fast!

[ Edited ]

reported in 2009, updated this year to reflect new balances when I disputed.

 

I usually fly southwest and hotels vary

5/13-EQ 652,TU 634, EX 612
6/13-mortgage lender pull
EQ 652, EX 689, TU 714
6/22/13 Auto pull (Infiniti)
EX Auto II 714, TU 745

Capital One $1500, Orchard $500, Premier $700
Moderator
09Lexie
Posts: 26,273
Registered: ‎09-13-2012
0

Re: HELP! Need some good cards to apply for fast!

In that case, I'd have to change my list. Chase is probably not going to like recent baddies ( how much?), PRG either. Barclays won't care for the recent inq's but they might let you slide in in the avg cc.
Epic Contributor
Creditaddict
Posts: 21,588
Registered: ‎10-23-2007
0

Re: HELP! Need some good cards to apply for fast!

I easily got PayPal MasterCard - pulled TU and its GE so CLI are good later too
Barclay also TU - easy recon

I'd start with Barclay then 1-2 GE... PayPal and maybe like chevron or Walmart... I like chevron and with your new supreme drinking car the $.40 cents off for 60 days is nice and ongoing $.20+
Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: HELP! Need some good cards to apply for fast!

Here's my list based on what we know of your profile:

 

Barclay's cards:    Rewards MC or Priceline VISA or uPromise MC

GE:  Any GE branded card.  I think you'd likely get the PayPal MC-Walmart Discover and the Chevron VISA though I wouldn't app all of them.  Just the one you'd use the most.

 

Being that the med collections are unpaid, it may present a problem for any app. Are they re-aged showing new activity?  What is the drop off date listed on them?  Should be 2016 or around there.   A lot of the new underwriting standards don't put as much emphasis on med collections if they are small but still... a un-paid collection is an un-paid collection.  

 

That's my list.  I'd app them in the order listed.  Barclays will pull TU.  GE is also a TU pull also.


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Frequent Contributor
mauwow0682
Posts: 288
Registered: ‎08-24-2010
0

Re: HELP! Need some good cards to apply for fast!

Try Amex bce or bcp.

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


Take the FICO Fitness Challenge
Moderator
Revelate
Posts: 9,640
Registered: ‎12-30-2011
0

Re: HELP! Need some good cards to apply for fast!

[ Edited ]

If this was your first auto loan on your credit report, there's a good chance you're higher than what was pulled for the Infiniti finance (I like your style btw, nice car!).

 

Where do you live if you don't mind my asking?  If you're out west, if I were you I'd probably just up and spend the $20 for the EX FICO here, if you are somewhere else YMMV though personally I think that's the best score available for credit card applications and it'd be closer to what you can realistically expect a lender to pull.  Similar question, what's your income?  I'm assuming non-trivial based on the G37 purchase.  Also since we're asking, what's your typical monthly or annual spend for your sole proprietorship?

 

Medical collections, I didn't see how old they were, but from an underwriting perspective they're in a class similar to tax liens as near as I can tell, they're not deal breakers unlike some other PR's.  I would also look in the Rebuilding forum if you haven't for information on how to address them.

 

I think in your case I'd do a few things: first, wait for Chase to come back, because if you get that card (and it is sweet) that changes your needs dramatically.  I'd also spend the $20 on the score here, and depending on those two datapoints I might actually hit a top tier card on an app and then apply for a few down the scale.  

 

The only problems you realistically have are the medical collections, and the FP card is an "ugly" tradeline from some underwriters perspective (but likewise not a deal killer); however, 4 years of perfect payment history and two medical collections, well I wish I were in your spot compared to my own mixed file, and my own tradelines while not outstanding, are better than where you're at now and I suspect you might likewise be able to do a lot better than what's been suggested here.  There's no guaruntees but if you don't have a mortgage coming up, I think I'd simply spend a half dozen inquiries if needed to pull two good cards for your circumstance.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: HELP! Need some good cards to apply for fast!


Revelate wrote:

If this was your first auto loan on your credit report, there's a good chance you're higher than what was pulled for the Infiniti finance (I like your style btw, nice car!).

 

Where do you live if you don't mind my asking?  If you're out west, if I were you I'd probably just up and spend the $20 for the EX FICO here, if you are somewhere else YMMV though personally I think that's the best score available for credit card applications and it'd be closer to what you can realistically expect a lender to pull.  Similar question, what's your income?  I'm assuming non-trivial based on the G37 purchase.  Also since we're asking, what's your typical monthly or annual spend for your sole proprietorship?

 

Medical collections, I didn't see how old they were, but from an underwriting perspective they're in a class similar to tax liens as near as I can tell, they're not deal breakers unlike some other PR's.  I would also look in the Rebuilding forum if you haven't for information on how to address them.

 

I think in your case I'd do a few things: first, wait for Chase to come back, because if you get that card (and it is sweet) that changes your needs dramatically.  I'd also spend the $20 on the score here, and depending on those two datapoints I might actually hit a top tier card on an app and then apply for a few down the scale.  

 

The only problems you realistically have are the medical collections, and the FP card is an "ugly" tradeline from some underwriters perspective (but likewise not a deal killer); however, 4 years of perfect payment history and two medical collections, well I wish I were in your spot compared to my own mixed file, and my own tradelines while not outstanding, are better than where you're at now and I suspect you might likewise be able to do a lot better than what's been suggested here.  There's no guaruntees but if you don't have a mortgage coming up, I think I'd simply spend a half dozen inquiries if needed to pull two good cards for your circumstance.


+1 to the highlighted

I only listed cards that I think you'd actually have the best chance of getting.  However, if it were me, I'd actually do what Revelate says.

I'm pretty certain (only guessing here) that you took a few (at least 2) inqs for your auto and more than likely EQ pulls.  So I was thinking along the lines of staying away from EQ and it's your lowest score.

If it were me, I'd go ahead and burn a few inqs to see what I come up with.  I'd focus on EX and TU pullers though.

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}