Reply
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

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 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

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 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
vpae
Posts: 539
Registered: ‎03-21-2012
0

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!

7/11/14 EX 764 - EQ 756 - TU 783 -- (myFico) | 10/14/14 TU 783 (Barclay) | 10/08/14 EX 779 (FNBO) | Mouseover for CLs
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

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 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}