Reply
Regular Contributor
Posts: 107
Registered: ‎12-27-2010
0

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
Posts: 1,051
Registered: ‎05-20-2010
0

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
Posts: 3,688
Registered: ‎01-10-2008
0

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
Posts: 1,008
Registered: ‎01-22-2008
0

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
Epic Contributor
Posts: 24,800
Registered: ‎10-23-2007
0

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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.