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I do not know who to choose

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NRB525
Super Contributor

Re: I do not know who to choose


@Caitt wrote:
I have a capital one secured card (showing platinum on the app) cl 200
Nfcu nrewards $1000
Discover it $500
And I was approved this morning for a venture $10,000!!!!!
Denied the quicksilver (im thinking because of the secured card)

Congratulations!

(note that I put a comma in there so I could determine whether this was $1k, $10k, or $100k. You just never know!)

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 21 of 26
Caitt
Regular Contributor

Re: I do not know who to choose

Lol thanks
Message 22 of 26
Nova5041
Frequent Contributor

Re: I do not know who to choose

Congrats, on the great SL!!!

BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 23 of 26
LadyJEsq
Established Contributor

Re: I do not know who to choose

As a data point, I actually would've gone for the QS first, then V. There seem to be quite a few denials for the QS when done second. I would recon either way though. Congrats on approval!
**FICO 8 Scores EQ EX TU **


Message 24 of 26
Anonymous
Not applicable

Re: I do not know who to choose

I wouldn't bother with the recon. I suggest standing pat until after the mortgage! The 10k limit will give a nice boost to your scores by then, adding any more accounts will be more likely to spook the lenders than anything.
Message 25 of 26
Caitt
Regular Contributor

Re: I do not know who to choose

I will stay put and watch my scores grow.
Message 26 of 26
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