I'm looking to move out by mid june and need to get a new credit card as well to handle the new expenses i'll be hit with (furniture and utilities). My current score is 701, so what would you guys advise i do first? Apply for the apt and have my credit run or get the credit card first, then apply for the apt later? By later I mean a week....thank you for any and all help in advance!
I suppose I would do the credit card first, since that's probably more sensitive to your credit score. The apartment might have more to do with your report than score: whether you have been late recently, late ever, ever had charge-offs, ever had collections from a previous apartment, etc. Also, I have always imagined that landlords aren't as strict with credit scores as CC companies. Please remember that's all just a guess.
I was recently in this same situation. I decided to get an Amex blue, which will help with expenses until my new job starts in July. Amex takes ~3 statements to report to credit agencies, so my average age of accounts won't ding my reports until after I'm in my new apartment. There still was an inquiry, of course, but I only had one inquiry prior so it wasn't a big deal. This was how we decided to approach the situation.
__ 5/08 FICOs: 761 TU / 736 EQ / 760 EX $52K total credit