06-05-2007 04:11 PM
06-05-2007 07:37 PM
jbryant710 wrote:I'm been reading this forum for about 2 weeks now and I love it. Thank you so much, everybody, for the answers I've already gotten without even asking. I do have a question, if someone can answer it. I, too, just applied for a wamu card via a preapprove offer and applied online. I got an email that said I was approved, just haven't gotten the card yet. Anyway, that is about the 4th card I've gotten in a month period. Am I going to lose a ton of points because of all the inquiries? Will I also lose points for my history average, having so many new cards? I went from having an Orchard I got last year, to a Chase (invite) an Orchard Platinum (invite) a Macy's and now a WAMU. I figured I needed some more credit, but I think I may have gone to far.
06-06-2007 11:09 AM
06-06-2007 11:16 AM - edited 06-06-2007 11:17 AM
07-10-2007 02:45 PM
For WAMU Specifically. **Wamu does strange things with apps. Before you apply, make sure you have either a 0$ balance or very very close to $0 on your credit reports with all other credit cards. It will improve your odds greatly with WAMU. They do not like UTL when applying.
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.