A little about my current credit situation
Less than 2 percent util...(not reported) 490 overall debt out of about 29k credit
reported utilization is 8 percent on both equifax and experian with credit scores of 721 on both
reported utilization is 13 on TU
Average account age is about 2 years oldest account age is 4.5 years.
The not so good:
Hard Inquiries a plenty...
19 on equifax
28 on experian
26 on TU
with half falling off throughout this year on each..
I think its good to be known that a majority of these dings (probably about 80 percent) were before i started using myfico.
Finally I was denied discover last on august 20, 2012 and citi on october 17, 2012
All my information is gotten from my credit report
advice on when would be a good time to apply for those cards so i can finally get a prime card...i do plan on letting a lof of these inq's fall of first...but as it stands do you think i have a shot? thanks in advance.
I would wait for 0 INQ's in 6 months.
You'll probably get a 7-10 day message on any app, but when you RECON you can explain you've been app free for 6 months at that point.
Yeah maybe thats a good idea...like i inferred im not desperate for credit just eager to get a prime card...the last inquiry i have is one from bank of america due to a credit increase i didnt get back in january...so id probably have to wait til july..
You can talk your way out of excessive INQ's as long as they have some age to them.
Keep gardening and I would imagine you'll be VERY happy with the results in a few months
Haha believe me i have...thats the only reason i got my disney chase...but thats last time i was approved for anything
I certainly hope so...i've been paying most everything in full every month the past few months.