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Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012

how much of a bump to be expected?

with a new CC? 5k limit? Just wanted to see what I could/should expect ya'll???? I cant simulate anymore :smileysad:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: how much of a bump to be expected?

all depends on history, current utl, inq, too many factors to know.. you could always try the credit sim here for a ball park number

ccpics2.jpg
Mega Contributor
Creditaddict
Posts: 18,905
Registered: ‎10-23-2007

Re: how much of a bump to be expected?


beautybrainsbooty wrote:

with a new CC? 5k limit? Just wanted to see what I could/should expect ya'll???? I cant simulate anymore :smileysad:


What Credit Cards do you currently have open?

What are those Limits?

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012

Re: how much of a bump to be expected?

USAA, 3k

Walmart 300

Car loan down to 3k

Personal loan 1.5k

6 inqs

Never late with anything EVER, always pif.

 

Adding a 5k CC to my profile.

 

Thanks for the help! As I stated above I can't simulate anymore and I don't need to buy a report yet :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Mega Contributor
Creditaddict
Posts: 18,905
Registered: ‎10-23-2007

Re: how much of a bump to be expected?


beautybrainsbooty wrote:

USAA, 3k

Walmart 300

Car loan down to 3k

Personal loan 1.5k

6 inqs

Never late with anything EVER, always pif.

 

Adding a 5k CC to my profile.

 

Thanks for the help! As I stated above I can't simulate anymore and I don't need to buy a report yet :smileywink:


What about going back to USAA and applying for 2nd card or CLI on current.

Do you have Citi? Maybe higher limit with them... lots of luck with Discover Lately (try Pre-Qualify, don't apply if you don't get offer!)

 

otherwise I would say if you can't get over $5k with USAA you are looking at uphill battle to get that with other creditors if I understand that USAA usually gives VERY large CL's... but really know way of knowing otherwise how some banks internal computers pull reports, formalize them the way they like and spit back out approval or what not...

also Barclay good option, because you can call in and recon for higher which might work...

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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