Credit Cards Center Credit cards from our partners
Reply
Highlighted
Established Contributor
Posts: 714
Registered: ‎06-01-2012
0

when should I try?

I'm wanting to try for a pre approved offer with someone like DCU, NFCU, etc. or anyone else that might start me off with 1k or more. This will be in two months and obviously I wont app with my util above 20%  or anything like that.

 

I added my Kays card in august, my WM and chase card were added in september. Im wanting to try and get pre approved with someone around February or March. My oldest CC will be 14 months of perfect history and the rest with about 6 months of history. 7 years SL payments with perfect history, no CAs, no judgments, but I have 2 PAID COs from 5 years ago.  AAOA is 3yrs.

 

How long should I let these cards age? I want to go in with the best chance of a pre approval. Last time I pulled my score it was around 680, that was with about 45% util.

Any suggestions on trying to break the toy limit barrier? Im growing my GE card, but charter one wouldnt raise and im not messing with another HP to be shut down.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.