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I apped twice. 'm in a similar situation. Car loan through WF HELOC through WF. Was one of my first apps back in Sept, denied. Apped for Amazon, approved $1400, apped Credit one, Approved $1000, apped Cabelas, approved $1500. THEN re-apped WF, BLAMMO $9000 CL. My credit score did not change in the whole time from Ex, but i'm assumng that mt utilization went down. Since then I have been approved by Lowes $1800, Home Depot $1800, Barclays, $1000 and Tractor Supply $4000!
Not sure if I wanted to app.. 16 inq will kill me, probably 10 of them will be gone by march '13
I no longer used WF checking, but I put about $100 a month deposit as saving into checking.
I want to app.. but gardening is good and tinuviel would probably kill me.
I have about 10 inq that will drop off in 6-7 months (car loan) and then the great app spree Fall 12. I would keep watching my score than app with WF in another month. Keep at it, you may get lucky.
@obageegee wrote:I have about 10 inq that will drop off in 6-7 months (car loan) and then the great app spree Fall 12. I would keep watching my score than app with WF in another month. Keep at it, you may get lucky.
I think, I will wait till all my new acct start reporting and drop my UTIL down below 20%.
I was hoping for more people to dig in lol.
I thought about BofA but I have obsolutely no relationship with them.
I was approved for their Platinum card in April 2012 and I had a high utl, many inquries, and a score of 690 EX. I heard that they want you to have a checking acct with them before applying a mortagage or auto loan won't do it. They gave me a $2,500 CL
@BearsAndTurtlesRtheBest wrote:I was approved for their Platinum card in April 2012 and I had a high utl, many inquries, and a score of 690 EX. I heard that they want you to have a checking acct with them before applying a mortagage or auto loan won't do it. They gave me a $2,500 CL
I still have a checking account with them, since '08. My direct deposit is no longer with them as well as my saving. I moved to Chase.
However, I still have checking open with them that I no longer use as of last months, still has some money in it.
Then maybe a plainum card will be good for now then after treating their card well, Maybe you can apply for they cash back or rewards card and they will see that you treated their card responsably/ I'm aiming for their Cash back but not until April 2013. At least my foot is already in one of their credit cards Better than nothing.
@armbenderc wrote:Not sure if I wanted to app.. 16 inq will kill me, probably 10 of them will be gone by march '13
I no longer used WF checking, but I put about $100 a month deposit as saving into checking.
I want to app.. but gardening is good and tinuviel would probably kill me.
Yep, I'm watching you...
@tinuviel wrote:
@armbenderc wrote:Not sure if I wanted to app.. 16 inq will kill me, probably 10 of them will be gone by march '13
I no longer used WF checking, but I put about $100 a month deposit as saving into checking.
I want to app.. but gardening is good and tinuviel would probably kill me.
Yep, I'm watching you...
What to do, hard decision, maybe drapping!