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Contributor
Posts: 221
Registered: ‎07-11-2012
0

Re: Looking for a CC w/ a CL of about $10k.. or am I dreaming?

Or secure it yourself

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
New Member
Posts: 3
Registered: ‎08-24-2012
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Re: Looking for a CC w/ a CL of about $10k.. or am I dreaming?

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?

 

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