cancel
Showing results for 
Search instead for 
Did you mean: 

Time for Credit hunting

Regular Contributor

Re: Time for Credit hunting


moemeadors wrote:
I live abroad, so I'm SOL on a gas card, but would love a Macy's, Kohls or Cabelas for online purchases...gonna wait until I am tapped out with NFCU though.  Maybe the first of the year.

FYI, Macy's accepts APO/FPO for billing address now.  The next time you are stateside consider applying  in the store.  Just remember to bring your state DL (or military ID) and a debit or credit card.

Filed BK 07/07/15 Discharged 10/07/15
Starting scores 11/2015 EQ 567 TU 487 EX 531
Current scores 02/2017 EQ 649, TU 642, EX 651

Cap 1 QS 5000 Cap 1 QS 6500, PenFed Promise 2500, NFCU GoRewards 8000 NFCU CLOC 4000
In the garden until 2018
Message 21 of 32
Regular Contributor

Re: Time for Credit hunting

I am scheduled to close on my house tomorrow. Can I go credit shopping today? I don't need credit but my credit file is thin and I want to add a mix of credit like a charge card and a better CC.

 

Message Edited by ficonewbie01 on 07-29-2009 09:43 AM
4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Message 22 of 32
Moderator Emerita

Re: Time for Credit hunting


ficonewbie01 wrote:

I am scheduled to close on my house tomorrow. Can I go credit shopping today? I don't need credit but my credit file is thin and I want to add a mix of credit like a charge card and a better CC.



Nononononononononono!!! Smiley Very Happy

Sorry, I think my heart stopped there for a moment. Don't rock the boat now! Let it fund and get the ink on the documents dry.

Anything you want to apply for will still be there tomorrow evening. You can do your research today, but no app'ing until you walk out of the title company office, or wherever you're closing.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 23 of 32
Regular Contributor

Re: Time for Credit hunting


haulingthescoreup wrote:

ficonewbie01 wrote:

I am scheduled to close on my house tomorrow. Can I go credit shopping today? I don't need credit but my credit file is thin and I want to add a mix of credit like a charge card and a better CC.



Nononononononononono!!! Smiley Very Happy

Sorry, I think my heart stopped there for a moment. Don't rock the boat now! Let it fund and get the ink on the documents dry.

Anything you want to apply for will still be there tomorrow evening. You can do your research today, but no app'ing until you walk out of the title company office, or wherever you're closing.

 

Sorry!! I wouldn't want to cause anyone a heart attack!  but...but...I got a nice 15% discount card from Kohls yesterday and I've been wanting to apply for CC from my CU for quite sometime.

 

Thanks for the advice...and patience is a virtue...but it's running out... Smiley Happy

 

Message Edited by ficonewbie01 on 07-29-2009 11:15 AM
4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Message 24 of 32
Senior Contributor

Re: Time for Credit hunting

Your mortgage provider can pull a credit report the day of the closing. Fewest changes possible until the ink is dry is the order of the day.
Message 25 of 32
Regular Contributor

Re: Time for Credit hunting

I have signed all the documents yesterday and I think the ink has dried by now. Smiley Happy

 

My goal is to be approved for a prime CC and use it as my primary. I'll be happy with just a $1000.00 limit. What are my chances of approval with the fico scores I have in my signature? My credit file is thin and this is what I have:

 

Open accounts:

Auto - $1500.00 balance left (no lates)

Credit card - $400 CL with $22.00 balance

 

Closed/Negative account:

Auto repo from 2003

Auto - closed since 2006 (no lates)

 

Inquiries:

EX - 7 (2 from LO in June)

EQ - 6 (2 from LO in June)

TU - 2 (2 from LO in June)

 

AAOA is about 3.5 years and no lates or deliquencies for  5+ years.

 

Thanks!

4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Message 26 of 32
Regular Contributor

Re: Time for Credit hunting

Oh I did try to apply for the Citi platinum card last night. I called their number today and was told I was declined due to EQ credit score and a deliquency (auto repo i presume). I ask for a recon and she asked if I have checkings/savings/investment or retirement account. I said yes to all. She said I should hear something back in a couple of days.
4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Message 27 of 32
Senior Contributor

Re: Time for Credit hunting

Do you have a reporting PR?

Message 28 of 32
Regular Contributor

Re: Time for Credit hunting


creditwherecreditisdue wrote:

Do you have a reporting PR?


Nope.
4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Message 29 of 32
Senior Contributor

Re: Time for Credit hunting

You have a thin credit file plus a baddie. I would wait for the bad to fall off (7.5 years from DOFD, an EX report may provide an exact date). That could be pretty soon since the repo was in 2003. I am afraid if you don't the Citi experience will be dup'ed with other banks. Alternative is to develop a relationship with a CU of your choice. They tend to be more forgiving.
Message 30 of 32