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Hi My FICO is 650 pulled today
my wallmart TU is 663, but Karma says 573.
I have too many recent inquires 8+ or maybe more, 0 collections and 1 baddie in the las 12 months
I recently got approved for a capital one platinium for $500
Should I wait? how long?
PenFed pulls EQ and AMEX usually pulls EX, but if you are borderline they will pull sometimes all three.
I would garden, let your new accounts and baddies age.
@zerobacan wrote:Hi My FICO is 650 pulled today
my wallmart TU is 663, but Karma says 573.
I have too many recent inquires 8+ or maybe more, 0 collections and 1 baddie in the las 12 months
I recently got approved for a capital one platinium for $500
Should I wait? how long?
Which is it?
8+ or more?
Stop applying or they will see some impulse control issues.
Thanks guys for the info!
Put a freeze on all 3 CB.
No more apps .
Wait til your score hit somewhere around 680+
One last thing take carre your baddie and stop fill out new applicationnnnnnnnnnn.
Penfed is strict and you will probably need a 720 with them
My plan is to apply to a couple cc and then garden for a year, I applied o amex and got denied, I will use the backdoor number for it and give it a last try.
when I said baddie i meant a late in one of my cc, not a collection oops
Thanks for the info guys!!!
your not listening to anyone at all. its going to be a first premier card for you. Thats about it at this point. YOu need to settle down for 6-12 months.