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When should I apply?

Regular Contributor

When should I apply?

My Trans Union, Equifax and Experian are 610, 655 and 673 respectively.  I have (1) charge off in dispute because the account was re-aged and should not be on my TU report per the SOL.  Is it safe to apply? need a revolving acct to have a good mixture of credit?
 
Thoughts?
Smiley Happy
Great Credit is Sexy Smiley Wink EQ 793 / TU 791 / EX 773, 6/2017
Message 1 of 5
4 REPLIES
Established Contributor

Re: When should I apply?

Pretty decent scores..I sure would be applying..
TU 662 EQ 644
EX 643
Message 2 of 5
Senior Contributor

Re: When should I apply?

i've done ok with lower scores. amex plat skymile 2k, citi diamond pref. rewards 3.5k (those were the good ones).
 
get busy and hurry over to the sleigh center when the dust settles.
Message 3 of 5
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Regular Contributor

Re: When should I apply?

If I were you, I would hold off applying until you get that "baddie" off your report and raise your FICO scores as high as possible to ensure you get a lower interest rate and a higher credit limit (unless you are desperate for another credit card right now, which would be a completely seperate issue you would want to address).  Always 'work from a postion of strength instead of weakness' is my motto.
Message 4 of 5
Regular Contributor

Re: When should I apply?

Good point - thanks!
Great Credit is Sexy Smiley Wink EQ 793 / TU 791 / EX 773, 6/2017
Message 5 of 5