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Good job waiting, you got a nice bump especially on EQ!
What cards do you have now and what rewards are you looking for? If you don't have many cards and none over $5k I would try either Discover pre-approval or CU.
@dmmartinez wrote:Thanks guys!
As luck would have it, my 3 PFD's updated
Here are my new scores as of today:
Experian: 688 Equifax: 684 Transunion: 697
What credit card would you guys recommend?
I havent applied for credit in over 2 years. I'm not sure if I should go on a 'spree' to get more than one, or if I should just try for one and only take the 1 Hard Pull.
Advice?
I have no other credit cards except I am an authorized user on an Amex with 18k limit (but I dont use that card)
I would like this new card to be the one I use for daily expenses.
Congrats on the PFD! Wow that was fast!
The downside is I don't think you'll be successful at a spree without at least one year of prior credit card history. Definitley with Chase it is a no go. What other tradelines do you have (auto, student, etc.)? Perhaps other more experienced myfico-ers can chime in to help.
Thanks so much its been years in the making- during my first years of college i dug myself in a hole.
I currently have no open credit cards, except i am an authorized user on an Amex with an 18k CL on it that I dont use, it currenty carries a 1500$ balance, so my Credit Utilization is at about 5%.
I would like a card that I can use for my daily expenses.
@dmmartinez wrote:Thanks guys!
As luck would have it, my 3 PFD's updated
Here are my new scores as of today:
Experian: 688 Equifax: 684 Transunion: 697
What credit card would you guys recommend?
I havent applied for credit in over 2 years. I'm not sure if I should go on a 'spree' to get more than one, or if I should just try for one and only take the 1 Hard Pull.
Advice?
I have no other credit cards except I am an authorized user on an Amex with 18k limit (but I dont use that card)
I would like this new card to be the one I use for daily expenses.
Congrats on your PFD update and your score Since your an AU on Amex, I would go for an AMEX Card to get the backdate
I would check Discover and Amex websites for any pre-approvals. You can also try creditcards.com and select card match. Both are just soft pulls, but not a guarantee. I don't recall off the top of my head who counts AU for applications, but I do not think Chase does.
Thank you! I actually had been nagging and praying and going crazy waiting for those to update since the end of Feb/beginning of March, then today I couldnt take it anymore and pulled all 3 scores and they were all gone!
My average age of credit is 4 yrs 6 months
I have a student loan that i owe 1600 on - have perfect payment history for lasat 4 years but had a few 30 day lates before that
A car loan with 7600 on it with Wells Fargo perfect payment history 3 years
I had a charge off 4 years ago with First Premier, but paid it off (set to fall of report in 1 year)
@dmmartinez wrote:Thank you! I actually had been nagging and praying and going crazy waiting for those to update since the end of Feb/beginning of March, then today I couldnt take it anymore and pulled all 3 scores and they were all gone!
My average age of credit is 4 yrs 6 months
I have a student loan that i owe 1600 on - have perfect payment history for lasat 4 years but had a few 30 day lates before that
A car loan with 7600 on it with Wells Fargo perfect payment history 3 years
I had a charge off 4 years ago with First Premier, but paid it off (set to fall of report in 1 year)
Can you find a AMEX that you may use ???? You will get all the history of your AU account and it will not be a new account! They are coming out with a new card soon with no AF
If you don't wany an Amex maybe the Discover it !!
I dont mind an annual fee, I just dont know if my scores would qualify me for an amex?
I just went to their site to see if I was preapproved for anything and it said "there are no special offers for you at this time" but you may like.... Platinum/Gold/Blue.
I'm just so nervous to get a hard pull and not be approved