I think my credit is in good enough an position to prepare for applications for fidelity amex and sallie mae cards. The one thing i am worried about is i recetnly opened up 3 cc last sept. Opened freedom, IT, and an amex BCP. Is it too soon for me to apply again for new credit?
My credit report looks like this EX has 7 hp and TU has 6 HP. Fico scores are as followed pulled my EX 3/21 and it was 780, my EQ from scorewatch is 800, and my TU from both walmart and discover showed 807, which was pulled on 4/4/14. What are my chances of being approved for both cards or should i wait another few months ?
Personally, I don't think you will have any problem getting approved with high CLs.
@BigBS wrote:Personally, I don't think you will have any problem getting approved with high CLs.
Everything with my credit reports and fico score seem okay.I am just worried about the HP and new accounts.not so sure how Barclay and boa look at those.
Some of the fako sites give me F due to the amount of HP inquiries.I know they are fakos but am quite scared about that. Also I don't know how related this is but discover won't give me an SP CLI.
@B335is wrote:
You should have no problem. BoA approved me with many more inq (20+) and your FICO is very similar to mine.
Discover wont give me ant luv either.
I am also worried about recently opened accounts. I thought I recalled reading somewhere about having at least a year of credit history.will it may be automatic denials for not having a year of credit history ?
@mongstradamus wrote:
@B335is wrote:
You should have no problem. BoA approved me with many more inq (20+) and your FICO is very similar to mine.
Discover wont give me ant luv either.I am also worried about recently opened accounts. I thought I recalled reading somewhere about having at least a year of credit history.will it may be automatic denials for not having a year of credit history ?
If your score is that high, there is no way you will get auto-denied. If anything, you should be instant approval. lol With your score being that high it has to mean you have a good AAoA. 3 CCs opened in September of last year isn't bad for new accounts.
What cards are you looking at?
@KennyRS wrote:
@mongstradamus wrote:
@B335is wrote:
You should have no problem. BoA approved me with many more inq (20+) and your FICO is very similar to mine.
Discover wont give me ant luv either.I am also worried about recently opened accounts. I thought I recalled reading somewhere about having at least a year of credit history.will it may be automatic denials for not having a year of credit history ?
If your score is that high, there is no way you will get auto-denied. If anything, you should be instant approval. lol With your score being that high it has to mean you have a good AAoA. 3 CCs opened in September of last year isn't bad for new accounts.
What cards are you looking at?
Fidelity amex and Sallie Mae are the two cards I want to get sometime this spring or summer. I believe fidelity amex is experian pull and Sallie Mae is tu pull. I have 6+ inquiries on both tu and experian.
I don't know if I am just being overly worried about those HP and new accounts. I think according to my discover/Walmart fico score , one of the things holding me back is too many new accounts .
@mongstradamus wrote:
@KennyRS wrote:
@mongstradamus wrote:
@B335is wrote:
You should have no problem. BoA approved me with many more inq (20+) and your FICO is very similar to mine.
Discover wont give me ant luv either.I am also worried about recently opened accounts. I thought I recalled reading somewhere about having at least a year of credit history.will it may be automatic denials for not having a year of credit history ?
If your score is that high, there is no way you will get auto-denied. If anything, you should be instant approval. lol With your score being that high it has to mean you have a good AAoA. 3 CCs opened in September of last year isn't bad for new accounts.
What cards are you looking at?
Fidelity amex and Sallie Mae are the two cards I want to get sometime this spring or summer. I believe fidelity amex is experian pull and Sallie Mae is tu pull. I have 6+ inquiries on both tu and experian.
I don't know if I am just being overly worried about those HP and new accounts. I think according to my discover/Walmart fico score , one of the things holding me back is too many new accounts .
In Feb of this year, I applied for Discover it and was instantly approved. Received the letter with my card and it said my score was 794 and at the time I had 2 HPs on each CRB. Since then I have received a Delta AMEX Gold, Barclays Arrival VS, LMCU PP Visa, NFCU cashRewards, Comenity Vitacost Visa, and Comenity Coldwater Creek Visa and my score has actually gone up to 799. Each time I check the score though it tells me that I have too many new accounts.