Which card to app for next?

[Anonymous]

Nice work!

[Meltdownblitz]

Congrats! Have you pulled your report recently? What are your scores, utl, inquires etc?

[nomoore]

I haven't pulled my score since the initial decline. My one credit card was at 0% util. I had no inquiries on the TU report that they pulled. Then I had one inquiry on the updated report I sent them, since they had pulled it initially.

I have 2 installment loans. One is a motorcycle loan for ~6000 originally and I owe 4300. The other is a personal loan for 5700 and I owe about 3800.

My TU FICO was 682 before a Baddie repo with a few lates was taken off (taken from their decline message).

I have an AAoA of about 8 years. The CC was opened in 1998.

I have 0 late payments after the baddie was taken off.

[nomoore]

So I found out AMEX pulled a second score so they could set the APR based on that score. They sent me my new score. My TU FICO is now 780!!! It was 682 about a month and a half ago. The difference is the repo w/ lates from 5.5 years ago was removed and the CC util was 9% instead of 0%. I now have 2 inquiries showing up on my CreditKarma account. I'm pretty sure those are both from AMEX.

I'm excited! This is much more improvement than I was expecting.