Should I App?!?!

[QueenBeeOC]

My husband and I applied for a home mortgage and got approved, barley, for $425k. Soo I got my scores all below from the lenders report.

I only have those 2 sub prime cards with low limits and a personal loan for 8k and a student loan for 12k. My last late payment was in 07/07 and I have two baddies one of which will be cleared next month.

I REALLLLLY want a new credit card but not sure what to app for especially since I just got hard pulled for home loan. HELP!

App or garden?!?

[dodfire]

Hi, welcome

What are the two baddies you speak of?

How long have you had the two current cards?

If you want to apply for prime cards....I would give it 6 months and you should see your scores higher to give you a better chance at approval and better credit limits.

[_jb_]

Don't apply for anything until you close on your home loan! We would need more information at that point to tell you what/if you should apply for any more CC's.

[QueenBeeOC]

One baddie is 500 but I'm paying that off ASAP. and the other one is an old cell phone paying that off at end of May. Hoping that will up my fico.

[QueenBeeOC]

I've had one card 5 years and the other one for 10

[dodfire]

Once you get those paid, you should try to get them removed from your report. That will increase your score.

When do you close on the house?

How long have you had your other two cards?

[QueenBeeOC]

Ok sp wait until for home closing. Great advice!

[QueenBeeOC]

I've had those cards for 1 for 5 and the cap1 for 10 years.

We just got pre-approved we haven't eve made offers yet on any homes.

[dodfire]

Oh I see....I assumed you were further along in the mortgage process.

As stated by the other poster.....

DO NOT apply for ANYTHING until after closing. 

And then I would give it 6 months of reporting and your opportunities for cards will be wide open.

[myjourney]

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@QueenBeeOC wrote:
My husband and I applied for a home mortgage and got approved, barley, for $425k. Soo I got my scores all below from the lenders report.Don't apply until house is closed 

I only have those 2 sub prime cards with low limits and a personal loan for 8k and a student loan for 12k. My last late payment was in 07/07 and I have two baddies one of which will be cleared next month.While waiting on the baddie to falls off work on getting the other baddie off  then you should see your scores increase. Once they increase and houise is closed then apply 

I REALLLLLY want a new credit card but not sure what to app for especially since I just got hard pulled for home loan. HELP! At that point with your AA0A you shouild be able to get just about any card thAt fits your needs 

App or garden?!? garden

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