Talked with SBA-disaster loan people. They hard pull EX, only one pull, and only report to CRA if you are late. Ironically, my credit rehab hurt my loan possibilities. Because I can get credit elsewhere I don't qualify for grants and I will have shorter term and higher interest rate.
Well, since a lower score in EX actually gives me a better rate I've decided to go ahead and app for Amex. I'm on road right now but here is my plan:
1. App for zync (if approved then delta) EX pull 2. App for CU products (spoke to them today and got CL bumped to 12k so 6k LOC and 6k MC) 1 EQ pull 3. App for TU card....need suggestions (Walmart, amazon, iTunes, other?) TU pull 4. App for NFCU end of month.
Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12) Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697) Goal Score: 750 Take the FICO Fitness Challenge