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SO is covering my itch to app with 2 inquiries. Suggestions?

Regular Contributor

SO is covering my itch to app with 2 inquiries. Suggestions?

SO is going to app for up to two cards and I need your guys' help to decide what she has a good chance at getting approved at

 

1.7 AAOA She has TU673 --EQ 656 --EXP 654all three are ficos. 1 charge off from 4.5 years ago. No lates. No bks. just a charge off for 657$ with a $0 balance. UTIL is around 36%.

 

Were apping for two cards only. Any decent CC's? Only has 1 CO on all three.

 

Top two cards recommended will be applied for and results will be posted here.

4 REPLIES
Valued Contributor

Re: SO is covering my itch to app with 2 inquiries. Suggestions?

Barclays product with a good chance of being approved on a recon if initially denied.

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Senior Contributor

Re: SO is covering my itch to app with 2 inquiries. Suggestions?

Some, even somewhat modest improvement (decreased reporting UTI to <30%, slightly higher scores...) could open up several better options for more consumer friendly terms and a wider array of lenders who may approve, IMO.  if not possible might recommend an amex charge and a CU to your liking (some goodies:  NFCU (if eligible), AFCU, DCU...)  USAA may be a good option, especially if eligible for full membership but they may be looking for a slightly stronger profile for a limited member.


MyCreditStinks wrote:

Barclays product with a good chance of being approved on a recon if initially denied.


agreed.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Valued Contributor

Re: SO is covering my itch to app with 2 inquiries. Suggestions?

Barclays and local CU's you're eligible to join. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Epic Contributor

Re: SO is covering my itch to app with 2 inquiries. Suggestions?

I say Barcaly and Amex Charge (Gold Preferred I suggest since free for first year otherwise Zync if you eat out a lot)