Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 650
Registered: ‎09-27-2013
0

Should I have App'd for DS It?

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.
EQ 773 * EX 786 * TU 797
Epic Contributor
Posts: 28,676
Registered: ‎10-23-2007
0

Re: Should I have App'd for DS It?


MoreRewards wrote:
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?

Established Contributor
Posts: 650
Registered: ‎09-27-2013
0

Re: Should I have App'd for DS It?

I was approved for both.
I'm not pre approved it has IT as a recommended offer
EQ 773 * EX 786 * TU 797
Epic Contributor
Posts: 28,676
Registered: ‎10-23-2007
0

Re: Should I have App'd for DS It?

if you want it I would go for it...

Established Contributor
Posts: 650
Registered: ‎09-27-2013
0

Re: Should I have App'd for DS It?

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?
EQ 773 * EX 786 * TU 797
Epic Contributor
Posts: 28,676
Registered: ‎10-23-2007
0

Re: Should I have App'd for DS It?


MoreRewards wrote:
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?

Established Contributor
Posts: 650
Registered: ‎09-27-2013
0

Re: Should I have App'd for DS It?

[ Edited ]

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.

EQ 773 * EX 786 * TU 797
Epic Contributor
Posts: 28,676
Registered: ‎10-23-2007
0

Re: Should I have App'd for DS It?

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.

Established Contributor
Posts: 650
Registered: ‎09-27-2013
0

Re: Should I have App'd for DS It?

Ok since thIs is Oct & it Won't be till Apri (6 months) so I should be good. I won't app for anything else.

Since I didn't app same day I might wait till I get ny wal mart card still waiting on the mail. But that way I can see my TU score before I apply for IT. And if I don't go for it now I Will wait until the summer probably.

Thanks for your replies.
EQ 773 * EX 786 * TU 797
Established Member
Posts: 10
Registered: ‎01-15-2009
0

Re: Should I have App'd for DS It?

[ Edited ]

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.

 

 

 

 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.