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Regular Contributor
johnecova
Posts: 107
Registered: ‎12-27-2010

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.

Valued Contributor
Datx
Posts: 1,049
Registered: ‎05-20-2010

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.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Senior Contributor
score_building
Posts: 3,509
Registered: ‎01-10-2008

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.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008

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

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


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
Take the FICO Fitness Challenge
Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007

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)

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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