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@Maximuss wrote:
@myjourney wrote:
@Maximuss wrote:Car loan was paid off Jan 2005
What all do you have as good TL's on your CR's and do you know all your Fico scores?
Only thing showing right now is the secured BofA card opened 12/2013 with a 2% debt to credit ratio. Basically $22 being used. It has $1000 CL. Sportsman's Guide Visa hasn't shown up yet. FICO from EQ 708 According to Cap One rejection letter.
To soon for any more apps
Build some history now with the new TL's then target Discovery, Barclay and Walmart if you shop there
You can go to the Discover site and see if you have any
pre approved offers, it is just a soft pull and won't affect your
score
@myjourney wrote:
@Maximuss wrote:
@myjourney wrote:
@Maximuss wrote:Car loan was paid off Jan 2005
What all do you have as good TL's on your CR's and do you know all your Fico scores?
Only thing showing right now is the secured BofA card opened 12/2013 with a 2% debt to credit ratio. Basically $22 being used. It has $1000 CL. Sportsman's Guide Visa hasn't shown up yet. FICO from EQ 708 According to Cap One rejection letter.
To soon for any more apps
Build some history now with the new TL's then target Discovery, Barclay and Walmart if you shop there
When do you think will be prudent to apply for lets say discover?
@asphaltcowboy wrote:You can go to the Discover site and see if you have any
pre approved offers, it is just a soft pull and won't affect your
score
Went and it didn't show anything for me.
@Maximuss wrote:
@myjourney wrote:
@Maximuss wrote:
@myjourney wrote:
@Maximuss wrote:Car loan was paid off Jan 2005
What all do you have as good TL's on your CR's and do you know all your Fico scores?
Only thing showing right now is the secured BofA card opened 12/2013 with a 2% debt to credit ratio. Basically $22 being used. It has $1000 CL. Sportsman's Guide Visa hasn't shown up yet. FICO from EQ 708 According to Cap One rejection letter.
To soon for any more apps
Build some history now with the new TL's then target Discovery, Barclay and Walmart if you shop there
When do you think will be prudent to apply for lets say discover?
About 4 months I would say
Thank you for your time, i really appreciate it. I shop a lot at costco. When would i be in a position to apply for the AMEX they offer?
@Maximuss wrote:Thank you for your time, i really appreciate it. I shop a lot at costco. When would i be in a position to apply for the AMEX they offer?
With your scores and after you show some history with the cards you have I would say about 8 months
Your actually doing very well you just need to build some CC history that's all
Good credit is a marathon not a sprint
Thanks again for the feedback.
@Maximuss wrote:Thanks again for the feedback.
Not a problem we're glad to help