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Apping for the CSP now? My NFCU turned 6th months old at 10k cl and my bofa with 5.7k cl is 13months old.
CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710
@jsickz32 wrote:CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710
how many in the past year?
i would personally wait till you are down too 2-3 in the past year.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Hmmm, I think you have a shot. I am proof that inquirys are overated. As long as your report has no serious derogs you will be fine. My experian and Transunion both have a CO on it so the inquiries seem to hurt me there. But with Equifax pullers they seem not to care to much since my report is clean and 716 right now. Just my 2 cents go for it.
@jsickz32 wrote:CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710
Is this 17 total on EX or across all reports?
@creditnocash wrote:
@jsickz32 wrote:CHASE pulls EX for me and i have 3 or 4 inqs in the last 6 months and 17 total and 5 of them are from chase. Utl is 2% score is 710
how many in the past year?
i would personally wait till you are down too 2-3 in the past year.
13 in the past 12 months but like i said 5 are from chase.
17 in EX only. Ive been denied for the CSP before 3 times because of not long enough exp with 5k+ cl.
Dont do it ! The only reason I was denied the Freedom is because I had over 8 inquirys in the past year on my experian. Just wait it out a few more months untill your under 5 for the year.
I was gonna wait until 06/13 or 07/13 by then most inqs will be 1 year old. I think im gonna wait. Thanks for talking me out of it lol
@jsickz32 wrote:I was gonna wait until 06/13 or 07/13 by then most inqs will be 1 year old. I think im gonna wait. Thanks for talking me out of it lol
Good idea by then your BoA will have aged to 1 1/2- so when you are approved your CL will be higher.