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Contributor
Posts: 82
Registered: ‎04-01-2013
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Thinking about doing an app spree after closing......ideas?

So I got the clear to close from USDA and sign closing documents, get keys, & take ownership on 9/3.  I thought I would do a little app spree afterwards as I don't have much in terms of credit cards currently to get some more assistance.  Currently I have the following: Capital One Secured - CL $300, FingerHut - CL $450, AU on Discover - CL $12,000.  My utilization is 8%.  I have 4 inquiries on my Experian & Equifax reports & 5 inquiries on my TransUnion.  I have 2 CO's but both are 4 plus years old.  You can see my 3 FICO scores in my signature below.  I am thinking of doing an app spree for the following:

 

  • Lowes Card - I need a refridgerator for my house was my thinking here
  • Discover IT Card
  • Barclay Card
  • Chase Freedom
  • Perhaps a Citi card?

What are everyone's thoughts on this plan?

Start: (4-21-13): EQ 560 (FAKO) TU 544 (FAKO) EX 549 (FAKO)
Current: (8-27-13): EQ 650 (FICO) TU 677 (FICO) EX 643 (FICO)
1st Goal: Purchase my first home (Done on 9/3/13)
2nd Goal: 700 across the board
Senior Contributor
Posts: 4,043
Registered: ‎10-02-2012
0

Re: Thinking about doing an app spree after closing......ideas?

Id say go for the Lowes and Barclays

Senior Contributor
Posts: 4,043
Registered: ‎10-02-2012
0

Re: Thinking about doing an app spree after closing......ideas?

If barclay denies, you can always recon your app,

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Established Contributor
Posts: 620
Registered: ‎05-09-2009
0

Re: Thinking about doing an app spree after closing......ideas?

Congrats on the mortgage! That is the most important thing, and you'll now have a good mix of credit.

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k

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