Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 2,830
Registered: ‎06-05-2008
0 Kudos

Re: More EX pulls after 2 AMEXs?

bradmaster wrote:

I currently have four hard pulls (one in (7/11) and one in (10/12), now two in (1/13) :smileysad:), should I garden these first then apply for auto loan Smiley Happy?  

If your Equifax looks good, you should consider Penfed.  They pull Equifax once for Membership, and use the same pull for credit and auto loans in the next 90 days, I think.  There are lots of threads here detailing the approval scores, and documenting the single pull for multiple products.


The auto loans are 1.49% for up to 60 months, or .49% if you use their car buying service for both new and used.  USAA also pulls Equifax for car loans, and has rate discounts for using the car buying service.  


Military service is not required for either of these.


Every other bank and CU I've apped with for car loans has used Experian.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Valued Member
Posts: 48
Registered: ‎01-05-2013
0 Kudos

Re: More EX pulls after 2 AMEXs?

Mr p-, thank you for your valuable input, I really appreciate it.


Just on a side note, you are truly inspiring - reviewed your journal and man, you worked really hard to get where you are today, seriously.


I was just wondering - do you believe what I have so far is good enough as far as CC is concerned (2 revolving cc and 1 charge cc)?  Or, should I add one more revolving cc and grow 3 at the same time?  Since I have best FICO score in Experian - I was thinking to take advantage of those institutions (BofA, etc.) and get approved for their VISA cc with okay limit.  


Or, should I wait and grow what I have - hopefully increase CLI on AMEX BCE by 3x ($6,000 by 61 days hopefully lol), and use that and see by that time - I may aim for higher limit at BofA 123 or any other cards?


Any suggestions, word and wisdoms much appreciated, thank you!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.