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Well, I called Experian last night to see about them removing the only collection left on my report since there was only 2 months before it fell off (7 year limit). They submitted a dispute. I got an email from them saying it had been deleted early this morning. YEA!!!!! I just bought an updated fico report and score and my Experian score jumped from 675 to 734! WOW! I only have a couple of inquiries experian because I tried to stay away from applying with anyone that would pull them since it was my lowest score. Im looking to apply for a couple of cards that only pull Experian and are known for giving out high initial limits. From what I hear that would probably be AMEX,CITI,or CHASE. Can anyone led me in the right direction as to what specific cards I would have the best chance at for the highest initial limits? My stats are below. THANKS SO MUCH!!!
EQUIFAX FICO: 736
TRANSUION FICO: 745 (barclay fico is 765)
EXPERIAN FICO: 734
NFCU CASHREWARDS: 19K (opened in august)
NFCU GO REWARDS: 1K (will ask for cli after 3 statements) (hasnt reported yet) (opened in late september)
NFCU CHECKING LOC: 15K
Diners Club: 20k (hasnt reported yet) (opened in october)
Barclay Rewards: $2500
Credit One: 1k
Discover It: 1k
Capital One: $750
Wells Fargo: $300
AAOA: 1.7 years
5% total utilization
One baddie on Equifax from almost 7 years ago. (in dispute)
Chexsystems: Frozen
@raydmercer2345 wrote:Ok Thanks! I think NFCU and Diners Club spoiled me after giving me 20k limit instant approvals each. Are there any others that will come close to these initial limits?
nasa was giving crazy limits. nasa fed credit union. but i think they ran out of money. since my fico members hit em up. it was a flood of apps.
Yea ive been seeing a lot of post about NASA but I also heard they pull Chexsystems. I have a couple of baddies on there from 2009 that fall off in a couple of months. So wasnt to sure I wanted to take that leap. Still considering it but I want a few more days of research and see what people are saying.
It appears from the responses, or rather, lack of responses, no one has been pre-selected to apply for Barclays then got denied. That's a plus for Barclays.