788 - Experian/Fair, Isaac (ver.2) date 08/01/2012
750 - Transunion/Fico Classic (04) date 08/01/2012
748 - Equifax/Facta beacon 5.0 date 08/01/2012
Statefarm bank CC since 04/08 CL $2500 - Balance $800 today
Bank of America CC since 10/10 CL $5600 - 0 balance
JC Penney since 03/11 CL $1800 - 0 balance
Cap1 Since CC since 02/11 CL $750 - 0 balance (wont increase for nothing!!)
These are my hard pulls
BANK OF AMERICA
Requested On:
08/07/2012, 04/23/2012,
09/02/2011
InquiryType:
Individual
CITY 1ST MTG SVCS via PREMIUM CREDIT
Requested On:
08/01/2012
InquiryType:
Individual
Permissible Purpose:
CREDIT TRANSACTION
STATE FARM BANK
Requested On:
04/11/2012, 02/18/2011,
10/12/2010
InquiryType:
Individual
CAPITAL ONE BANK USA NA
Requested On:
02/17/2011
InquiryType:
Individual
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Just an update, I applied today at my local Citibank, approved for a Citi Thank you preferred $7000CL, happy about that
but then later on the day thinking I had good luck, applied for a Discover since they had sent me pre approvals like crazy, did it online, it stated I was approved but had to wait 7-10 days for the card, called and the rep said $2500 with no chance to increase until 6months, I was tempted to withdraw the application and it will not show as an acct closed but just a hard pull/inquire
At the end I will keep it and just wait and see..
question, how much will this lower my scores above? thanks for all the info
What Im thinking in 6 months with the utility under 9% I should be a the same scores right?
