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Please help! Should I apply?

Established Member

Re: Please help! Should I apply?

I don't have any baddies, no collections.. Nothing. Just no credit history and a bunch of inquiries lol

Starting FICO score 578 (one CC 300)
03/2013 EQ 634. TU 658. EX 672.
Goal score 700
Message 11 of 13
Moderator Emerita

Re: Please help! Should I apply?


Samekathe wrote:

I don't have any baddies, no collections.. Nothing. Just no credit history and a bunch of inquiries lol


And that's not good. Again, my advice would be get a secured card - preferably one that graduates and let it build your credit. 

 

 

Message 12 of 13
Valued Contributor

Re: Please help! Should I apply?

Yes you can go ahead an apply for another card. It will lower your score initially but your score should come back up higher than before by the time you apply for a mortgage.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 13 of 13