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When to app? Pre or post Mortgage Reporting?

Valued Contributor

Re: When to app? Pre or post Mortgage Reporting?

Thanks for the advice all. Nailed down an instant decision with a $3,500 CL on a Freedom. Very happy with the CL, hoping to grow it even further, but plenty happy with 1,500 over my next highest CL. Thought about shooting for more with a recon, but really it was much higher than expected. Considering a Lowe's store card for the 5% since that's my go-to hardware store, but not really sure I want to add yet another HP and new account.
  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 11 of 14
Valued Contributor

Re: When to app? Pre or post Mortgage Reporting?

Welp, went and did it anyway. Got a Lowe's card approved at $650, but reconned to $2000. Firmly in the garden until who knows when. 1-2 years probably. I've accomplished all I could have wanted in credit land in the last year, and then some. Financed a car, got five new cards, and bought a house. All within 14 months of being in the low 500's. pretty pumped. Thanks for the advice all.
  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 12 of 14
Established Contributor

Re: When to app? Pre or post Mortgage Reporting?

Congrats! I'm in a similar boat! Been cleaning credit report for my refi, just signed docs today. Looking to grab a few cards too.

Lowes is great thanks to GE, I've received frequently SP CLI from them. Great choice!

07/12/17 EX FICO Score 8 804 (AMEX) | 06/19/17 TU FICO Score 8 823 (BofA) | 07/08/17 EX FICO Bankcard Score 8 833 (FNBO)
Mouseover for CLs


Message 13 of 14
Highlighted
Valued Contributor

Re: When to app? Pre or post Mortgage Reporting?

Nice!

Definitely good to get it done same day, Lowes/GE reported the account and HP within three days!
  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 14 of 14