12-31-2012 01:01 AM - edited 12-31-2012 01:11 AM
Here are my stats
matrix secure open 8/2012
limit300 bal 64
paypal mc open 12/12
limit1000 bal 0
11 last 12/28
12-31-2012 01:04 AM
Sorry that dont look right at all. Took a while to make I am going to edit then I will ask my questions.
12-31-2012 01:35 AM
The two cards that are secured are not good at all (no graduation). Applied only reports 2CRA. Matrix reports all three but highh fees start at a year. So I would like to get rid of those cards and have two that grow. I got one Paypal. I have app to barclay, sears ( wasnt thinking EQ no score) shopping cart Victoria Secret. Barclay is a decline via online app status. Sears 30 day message. VS was 7 day message. I am in need of suggestions. What should my next move be? I did my small spree and now I am done apping my goal is Auto loan and I tried very hard to keep experian Iquiry free. I called citi app line( auto prompts says no record of app) so probably have the wrong number. Do I recon?App? or just leave it a what I got (it is what it is)?
12-31-2012 06:27 AM
If the goal is a new car, then I would remain app free until then. Your newest account was opened this month and you'd want that to age a few months before applying for anything else.
12-31-2012 07:24 AM
12-31-2012 11:39 AM - edited 12-31-2012 11:41 AM
I will be calling barclays in a less than an hour when I have a moment. Also from what I read that the 7-10 message an Vicotia Secret is prob a need to verify more info. Anyone have a nubmber I could call for that one. Also Do anyone have a number to check the status of sears card( citi application status number say no recored of application)
alot of the inquiries on my files are from late july early august when I attemted to purchase a vehicle
12-31-2012 12:34 PM
I was so nervos when I called Barclay card. But approved 1k limit. Only was concerned about all inq in august. This site is awesome!!! So I go and call citi/sears or VS or just leave it be? NO loss inq for VS soft pull. Citi was but very limited history only 4 months on equifax so not sure if that even warrants a call.
12-31-2012 01:58 PM
Did you just apply today? What was the number you called?
12-31-2012 02:18 PM
Found a number via Google... Closed right now will have to wait till Wed.
12-31-2012 04:37 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.