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Looking To App for Sallie Mae & Home Depot

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Santi78342
Established Contributor

Looking To App for Sallie Mae & Home Depot

Just wondering what you guys think my chances are, or if you think I should wait. I will be looking to app next month when my 4 newest accounts are all 6 months old and after I close on my condo at the end of the month. My stats are as follows:

 

UWCU CC - 0/1000 /// 5 yrs 5 months old /// 1-30 day late from 2012

UWCU LoC - 0/500 /// 5 yrs 5 months old /// 2 30-day lates from 2010

UWCU LoC - 0/500 /// 6 months old

Cap1 QSO - 15/2300 /// 6 months old

BofA Cash Rewards - 0/2000 /// 5 months old

AMEX BCE AU - 0/6000 /// 5 months old

 

Utilization is <1%

 

12,000 Car Loan /// 1 year 4 months old (Reports only to TransUnion)

 

AAoA: 2 Years

 

PAID $150 Collection /// 2 years 2 months old

PAID $259 Collection /// 1 year 2 months old

 

12 INQs on TU /// 7 in last year /// 5 for mortgage in a span of 4 months

8 INQs on EQ /// 7 in last year /// 5 for mortage in a span of 4 months

EX should be similar to EQ

 

Mortgage will be for 124K but most likely will not be reporting at time of apps

 

Income is 50K/year

 

Open to all opinions and advice! 

 

EDIT to add the scores in my sig are from March. My EQ score per ScoreWatch is up to 654. I will be pulling all 3 scores and reports via MyFico before apping to see where I stand

 

 

Message 1 of 4
3 REPLIES 3
Santi78342
Established Contributor

Re: Looking To App for Sallie Mae & Home Depot

BUMP

 

Looking for some opinions on this..thanks

Message 2 of 4
leegreen
Frequent Contributor

Re: Looking To App for Sallie Mae & Home Depot

Home depot yes...

Barclay Sallie Mae no....

 

Just my opinion though I have been wrond in the past and will be wrong again. I am sure after I post this some of the forum guru's will be along to disagree. Smiley Happy

 

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 3 of 4
myjourney
Super Contributor

Re: Looking To App for Sallie Mae & Home Depot

Scores look a little low to me sorry and some lenders are also known to pull again just before closing which could lower scores again 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 4
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