Hello everyone!
I have done some apping in the last few days and I wanted to show you guys the results.
The CB that took the most hits was Equifax and my score showed it. I applied for a CC from USAA and I app'd twice for American Express, once for JCPenny (approved) 1750 CL, both apps from AMEX denied because of a 60 day late in Nov 06.
Scores before apping: about Dec 1, 2007:
TU - 684 EQ - 686 EX - 685
Cards at that time: BOFA Platinum - 1500 CL, $50 balance, Capitalone - $500 CL - no balance, Deferred Payment Plan (Military) - $5000 CL - $100 balance.
Loans: Citifinancial $25,100 car loan (2005)- never been late. Wachovia Dealer Services - $24,670 (2006)- Never been late. 1 Student loan - $8000, $50 a month ,Never been late.
Scores after apping: Dec 16, 2007:
TU - 693 EQ - 675 EX - 694
Cards now: BOFA, Capitalone, DPP still the same as above. Added USAA MC - $10,000 CL, $1000 balance (Disneyland tickets for christmas), USAA AMEX - $10,000 CL, no balance, JCPenny, $1750 CL, $250 balance.
Loans: Citifinancial and student loans same, Traded in the truck with Wachovia, got a loan with Mercedes Credit, $50,000 (yet to post to CR).
Most of the hard pulls came from EQ and I think my score shows it. Hopefully, with time this will come up, but I think I will have to check other posts on how long inqs affect your score. I expect a drop when the loan for the benz hits the other CB, but hopefully not much. Looks good to me and I dont plan on apping for a while. I will use the USAA MC while I am at disneyland and it is a cash back card, but I have cash on hand to PIF next month. What do you guys think?
Stpn2me
TU - 673 EQ - 672 EX - 669 as of 13 Nov 2015