10-15-2013 06:55 PM
10-15-2013 06:58 PM
A couple days ago I applied for Sallie Mae & Walmart card at almost the same time. They both pull TU. Should I have done it at the same time also? I know it will be another HP on TU? I'm considering waiting to app for this anyway I'm just not real sure.
Did you get approved for both of them?
Have you checked the pre-qual offer on Discover to see if they say you are pre-approved?
10-15-2013 07:47 PM
10-15-2013 07:51 PM
I'm thinking I will then forced myself to stay in the garden more than 3 months. It will make 7 inquiries this year. Will it negatively impact my home loan approval rates/terms?
when are you trying for home loan?
10-15-2013 08:01 PM - edited 10-15-2013 08:02 PM
It won't be until around April.
I did get pre qualified in June of this year (which is what one of the HPs is from) but had to still finish things in the divorce (mediation, ect) so it wasn't set for trial in July like I thought & attorney planned.
I will have to redo the process.
10-15-2013 08:02 PM
as long as it's been 6 months since you have applied for things....
but you probably don't need the discover for scoring so it's just how bad you want it.
10-16-2013 06:25 AM
10-16-2013 07:48 AM - edited 10-16-2013 08:06 AM
I was recently approved for Discover It and they pulled EQ, not TU. I know a lot of CC companies pull different CRA's in different regions but just wanted you to be aware they may not pull TU. I'm in NJ.
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.