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700 club means nothing

Valued Contributor

Re: 700 club means nothing


Credittony wrote:
I finally hit over 700. Ex is 703, eq is 704 and tu is 714. Sad thing I have to many inquiries. 19, 33 and 40. My score is not good to anybody. I rather have 650 with 3 inqs. That is what I mean 700 is nothing. I only have myself to blame for trying so hard to build credit with history. Just when I hit 700 on all 3 and can't app on anything. Sad sad sad.

I have more than that in 2 years Smiley LOL but i hit it from june 15 through nov15, then took a little break let them age, then did a few more apps. So if all goes to plan by this november I'll be down to 4 on each and in january of next year those will be a year old. I'm saving the last one for chase hopefully in a years time. 

I tried to space thm evenly across each CRA so they all fell off together. I studied alot on the pull data base and here to see what was being pulled. 

Let them age and youll be golden! 


EQ688
TU700
EX707

Valued Contributor

Re: 700 club means nothing

If you can't get anything, it's probably a blessing.  Like its been mentioned, go garden for 6 months to a year, and you will be GOLDEN!

 

Best Credit Wishes to You!


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Highlighted
Frequent Contributor

Re: 700 club means nothing

Once my recently paid down utilization reports I'll be in the same boat (almost). Hate having inquiries but love seeing approved.

Starting TU: 536
Starting EQ: 573
Goal: 640


Take the myFICO Fitness Challenge

Re: 700 club means nothing

Yikes...that's like being the richest man in the world and not having love. :,(

 

Hang in there and be patient. I find myself in the high-on-inquiries boat as well. They'll slowly begin to come off my CR's and then I'll app for some real-rewards cards. I do consider myself fortunate enough to have the following cards - 

 

Amex PRG $??; Amex SPG $1,000; Amex BEC $1,000; Chase Freedom $3,000; Chase Freedom Unl $500; CapitalOne QS $1,100; Target $300; AmazonPrime Card $800

Amex PRG $?? Amex SPG $1,000 Amex BEC $1,000 Chase Freedom $3,000 Chase Freedom Unl $500 CapitalOne QS $1,100 Target $300 AmazonPrime Card $800 Experian 671 EQ 686 TU 709 Gardening since 4/1/2017 LOL!! ^_______^

Re: 700 club means nothing

That's actually encouraging - do you have a personal real life experience with that?

 

Amex PRG $?? Amex SPG $1,000 Amex BEC $1,000 Chase Freedom $3,000 Chase Freedom Unl $500 CapitalOne QS $1,100 Target $300 AmazonPrime Card $800 Experian 671 EQ 686 TU 709 Gardening since 4/1/2017 LOL!! ^_______^

Re: 700 club means nothing


Creditplz wrote:
I had a 720 and was approved by chase for 40k? BofA for 8k?, NFCU for 20k? And blispay (at the time) for $4.4k?.

I had 60+ inq on EX, 55+ on TU, 50+ on EQ... it's not the Inq as Gmood said, you just have to time it correctly.

You're totally right. Timing those inquiries is crucial if you want a minor impact on credit score. I have about 20 on my Exp. But if not for those inquiries I would have learned nothing on the personal level, I would not have the cards I have and would not be looking forward to a new goal of 675.  

 

Amex PRG $??; Amex SPG $1,000; Amex BEC $1,000; Chase Freedom $3,000; Chase Freedom Unl $500; CapitalOne QS $1,100; Target $300; AmazonPrime Card $800

Amex PRG $?? Amex SPG $1,000 Amex BEC $1,000 Chase Freedom $3,000 Chase Freedom Unl $500 CapitalOne QS $1,100 Target $300 AmazonPrime Card $800 Experian 671 EQ 686 TU 709 Gardening since 4/1/2017 LOL!! ^_______^

Re: 700 club means nothing


Harley14 wrote:

Credittony wrote:
I finally hit over 700. Ex is 703, eq is 704 and tu is 714. Sad thing I have to many inquiries. 19, 33 and 40. My score is not good to anybody. I rather have 650 with 3 inqs. That is what I mean 700 is nothing. I only have myself to blame for trying so hard to build credit with history. Just when I hit 700 on all 3 and can't app on anything. Sad sad sad.

I have more than that in 2 years Smiley LOL but i hit it from june 15 through nov15, then took a little break let them age, then did a few more apps. So if all goes to plan by this november I'll be down to 4 on each and in january of next year those will be a year old. I'm saving the last one for chase hopefully in a years time. 

I tried to space thm evenly across each CRA so they all fell off together. I studied alot on the pull data base and here to see what was being pulled. 

Let them age and youll be golden! 


I'm currently holding off on more apps as i feel satisfied with what I've currently got - Amex PRG $??; Amex SPG $1,000; Amex BEC $1,000; Chase Freedom $3,000; Chase Freedom Unl $500; CapitalOne QS $1,100; Target $300; AmazonPrime Card $800 - Experian 671; EQ 686; TU 709. Most of my HP are on my Exp CR. You seem to be confident about where your HP will go when you app? Am I mistaken or is that what you're saying? I've tried to ask around if anybody knows what banks go to what CRA's.

Amex PRG $?? Amex SPG $1,000 Amex BEC $1,000 Chase Freedom $3,000 Chase Freedom Unl $500 CapitalOne QS $1,100 Target $300 AmazonPrime Card $800 Experian 671 EQ 686 TU 709 Gardening since 4/1/2017 LOL!! ^_______^
Valued Contributor

Re: 700 club means nothing

I am sure you can find a creditor to give you a new card with a 700 score and many INQ's, but then again do you really want or need a $300 or $500 SL that will grow slowly over the years. 

 

Wait 6 months, your score will probably grow by 20-30 pts. and you will start getting more credit card offers than you know what to do with, and when you pick a couple you want you will probably get a decent limit if your income is good  and keep your report clean. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Valued Contributor

Re: 700 club means nothing

Just an update, still have 60+ inq on EX and mid 700 scores, received a 42k Ritz Carlton approval and a 14.9k Citi Costco approval.. so 700 club still means a ton! IMO Smiley Happy
Established Contributor

Re: 700 club means nothing

If you you wait and garden it out current lines will grow future lines will have larger base limits.