WHOA! my sister has a EQ FICO SCORE of 705 (UPDATE!)

[jamesdwi]

probably good for an AMEX charge card and I would bet chase  would be willing to give her a freedom card, young age combined with no baddies, and existing credit should open the door. Hopefully all 4 of those INQ's are not on the same report, My son has  AMEX PRG, Chase Freedom and a Discover IT, with slightly lower income, but pays no rent and is AU on two cards one 3+ years old the other is 1.5 years old at the time.

 Update: its a Gold PRG charge card, just wanted to get his member year set... had no interest in a charge card long term.

[BearsAndTurtlesRtheBest]

True @jamesdwl but she just applied for Lenscrafters which pulled EX(thank god because thats the only report that doesnt report her LOWES card which she is as an Authorized User and back dates both EQ and TU to April 2003 but EX doesnt so we are glad they pulled EX if they would of pulled TU or EQ I htink it would of be an approval) and was denied and Chase, AMEX and known to pull EX, so for now she will just pay down debt and wait another 6 months or until her debt lowers.

[mauve]

Hopefully they declined partly based on score, cause then she'll get an EX FICO!

[indiolatino61]

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@BearsAndTurtlesRtheBest wrote:

What prime cards could she get with this score?? Looking for Discover, Mastercard, and amex CARDS. AAOA 2.5, 4 inqries that are 1 year old already, 30% UTL (i know pretty high) Highest CL is $3K. What you guys think!?!

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I think Discover it may be a good bet.

[BearsAndTurtlesRtheBest]

@indiolatino61

Gracias!! for inspiring us to apply for discover IT She was approved!

[LS2982]

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@BearsAndTurtlesRtheBest wrote:

@indiolatino61

Gracias!! for inspiring us to apply for discover IT She was approved!

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CONGRATS!!!

What CL did she get??

[BearsAndTurtlesRtheBest]

She was approved for both Wells Fargo Platinum VISA and DISCOVER IT for $1k. Not bad I guess.

[ezdoesit]

Which ones was she declined for?  Good start to get a couple of primes.

[BearsAndTurtlesRtheBest]

She was declined for:

Barclays Apple VISA

Amex Charge

Lenscrafters (GE)

Approved for

DISCOVER IT

Wells Fargo Platinum VISA

[ezdoesit]

Someone wrote that she probably wouldn't get approved for the Amex I guess they were right but it was worth a shot.  Tell her to please stop apping go to the garden for awhile let her accounts age and those inquires to fall off.  She can always hope to get CLI.