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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Newbie. Advice needed.


jsucool76 wrote:

Objectivist wrote:

6 HPS?


3 for the visa, 3 for the MC

 

When you apply for any cap1 product, they HP Experian, Equifax, and TransUnion. 

 

So now you'll have 2 on each report just from cap1. 


I would steer clear from Cap1 after this OP. Hopefully a call in to them will net you a card but i'd give BofA secured some thought.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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Valued Member
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Registered: ‎09-26-2012
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Re: Newbie. Advice needed.

Even though I already have an unsecured BofA card?
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Newbie. Advice needed.


Objectivist wrote:
Even though I already have an unsecured BofA card?

That is stuck @ $200. They're more likely to approve for secured and you up the deposit over the course of a year.

 

You know what, i'm not sure if theyre still doing this but last May I apped for a BofA unsecured and they countered my with a secured card. Go to a branch and see if they still do that.

 

That way your not wasting a HP you should get either or.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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