04-08-2013 11:09 PM
On a side note, I partially blame these forums for even giving me thoughts of wanting to apply for credit! I see so many exciting approvals I think I am credit worthy too, but I've got a loooong way to go
it's the same for me. but rather than the forums being at fault......i know it's my fault for being greedy.
just let those inquiries age and you will be in much better shape. You have to remember that lenders look at your entire credit report, not just your scores. I got denied my Amex with a 768 score when there're people with 680+ that get approved. Amex obviously didn't like the number of inquiries I had plus my new auto loan account.
04-08-2013 11:38 PM
I've been posting about "anti-app-itch" for a long time lol. Here's a link to a recent thread. Some pointers but even they might be irritating
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