Reply
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?


madnutz wrote:

myjourney wrote:

madnutz wrote:

I don't have them on hand, but remember that they were 3 scores the loan officer told me i had

 

690 something

620 something

and 650 something

 

Although I don't remember what score was from what credit buereau, I can ask the loan lady I was working with on Monday if that would help, also I had 1 late payment on my credit when I applied for hte mortgage loan, this was due to someone having me as an authorized user on THEIR credit card, after I found this out, i filed a dispute with the 2 credit agencies it was reporting on and got them deleted from my credit report, so the scores should be higher on the lower 2 since it was reporting on those two only


Amex and Chase in most cases will pull EX and possibly EQ so if scores are over 670 there your in better shape 

Close on the mortgage and go straight home and app away but be prepared to recon all due to the large number of INQ's 

Some of which can easly be explained as mortgage ...hopefully the car too.

All but 7 INQ's are over a year old so that will help a little


 

 

Thank you for the insight Smiley Happy Which Amex do you recommend would give me the best shot, where would i find recon number for amex? I have the chase slate recon number already


Charge cards are the easiest to get approved for and if approved app the revolver of your choice. In most cases it will be the same HP..YMMV tho

The recon number can be found in the backdoor sticky thread at the top of the CC forum page

+ Chase ink =




New Contributor
Posts: 105
Registered: ‎11-08-2010
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

Done and done, thank you both for hte responses, The credit pull from cox communications shoudn't cause any problems for me closing my mortgage loan right? I was told by the cox rep it woudn't do a pull... I was extremely upset when i got the alert hte next day Smiley Sad

Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?


madnutz wrote:

Done and done, thank you both for hte responses, The credit pull from cox communications shoudn't cause any problems for me closing my mortgage loan right? I was told by the cox rep it woudn't do a pull... I was extremely upset when i got the alert hte next day Smiley Sad


Cox not a problem in fact i'm sure the mortgage people have seen it already 

Pre-congarts on the new home 

+ Chase ink =




Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

Just so we are clear, Amex recons are successful IF the CR they pull is incorrect. They will not recon correct CR's or entertain explanations as to 'why'.

I would suggest, if your scores are hovering around 650 and you are ok with another inq- then try for a charge as has been suggested. However, I would have plan B ready in case that option fails.

Lenders that are more flexible with recons are Chase and Barclays.
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

While you are at it, I would contact Macy's and Cap One for CLI's after you close. Those cards have been opened too long with those CL's.
Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?


09Lexie wrote:
Just so we are clear, Amex recons are successful IF the CR they pull is incorrect. They will not recon correct CR's or entertain explanations as to 'why'.

I would suggest, if your scores are hovering around 650 and you are ok with another inq- then try for a charge as has been suggested. However, I would have plan B ready in case that option fails.

Lenders that are more flexible with recons are Chase and Barclays.

Forgot to mention that thanks Lexie your the best Heart

+ Chase ink =




Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

At this point you defininately have an inq problem..combine that with 600ish scores and even IF prime lenders give you credit cards their limits will probably be measly... If you have it in you to be a little patient and wait 8mos -a year and keep your balances down, the sky would be the limit for you because you're in great shape otherwise!!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Regular Contributor
Posts: 163
Registered: ‎06-22-2013
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

I believe Express is a SP for a CLI online. May need someone else to chime in. 

Regular Contributor
Posts: 163
Registered: ‎06-22-2013
0

Re: Help me decide on how to improve my credit?? What new card should I apply for?

Also, unless you plan on doing BT, I would stay away from the Slate and instead get a Freedom and/or CSP. Freedom at least. 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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. 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.