Hi All,
Due to a few changing circumstances, where I won't need to worry about a mortgage until at least a year from now, and possibly even longer, I decided to go ahead with a couple more apps yesterday. EQ 652, down from 672 in early September, before my August app spree reported. TU 671, down from 696. Total CL was $10.2K
Applied and approved for:
USAA AMEX $2K pulled EQ ( 23.99%, but that's OK, I usually PIF) Also have USAA Visa $3K approved 2/12, and USAA MC $4K approved 8/12. Have $2.7K balance on MC to pay income tax, will be paid off by year end. BTW, I have been a full member at USAA since 1998, always with auto ins. and a perfect payment record, so that could have factored in to their approvals. I only recently opened a checking & savings with them.
CareCredit $800 pulled TU - My Walmart started in Aug. with $400 and my Amazon started in Aug. with $600. Will try for phone-in CLI on both of those in November.
Total CL now $13K. AAoA showing as 1 year, thanks to a couple of older closed accounts.
I have also been added as AU on a FIA MC $9.6K dated from 1988 - 24 years, with a perfect payment record to boot! It's not reporting yet, but I expect that will help pull AAoA back to around 3 years. So that combined with the lower UTL % should way more than offset the hit for the 2 inquiries. Once that reports, and the balance on my USAA MC is paid off, I expect that will put me near 700.
My thanks again to all who contribute to this forum - I'd have never made it this far so quickly without the knowledge and experience you all so freely share!
NTX
BK7 04/2005. No baddies since.
Current Scores: EQ: 692 11/30/12 (myFICO), TU 697 11/28/12 (myFICO), EX 697 11/24/12
Current CL: Auto loan DCU refinance from WFDS bal. ~$16K, USAA Visa $3K 2/12, USAA MC $4K 8/12, USAA Amex $2K 10/12, Discover $1.5K 8/12, Chase Freedom $1K 8/12, GE/Walmart $800 8/12, GE/Amzn $1800 8/12, CareCredit $800 10/12, Amex Gold NPSL 10/12, DCU Visa $5K 11/12, Alliant Visa $1K 11/12, Barclay Rewards $500 11/12, FIA MC (AU) $9.6K 10/12
