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I've been working hard on repairing my credit after a divorce and finally am at a level where it is at least somewhat respectable. A month ago I went on a little bit of a spree applying for cards. I was approved for a Discover IT with a 2k limit and a AMEX BCE with a 500 Limit. I was denied for a Barclays Extra Points Card, Sams Mastercard, Citi Double Cash, and a Chase Amazon Visa. I know I probably shouldnt have applied for that many, but luckily due to my research the inquiries were somewhat spread out between the 3 bureaus. I will have 5 Experian, 2TU, and 2 Equifax inquires falling off next month. My current profile looks like this:
EXPERIAN 678 VS 644FICO
TRANSUNION 662 VS 641 FICO
EQUIFAX 675 VS UNKNOWN FICO
I have some 30 day lates will be over 2 years old as of February 18, and I do have an old bankruptcy on my record, but it is from 9-2009. I still have a few cards I really want, but don't want to try if I'm just going to be denied. I want a Chase Marriott, Freedom, and IHG Cards. I know about Chase's 5/24 rule so I want to get the Freedom and Marriott out of the way, but also realIy would also like a CITI Costco Visa since I couldn't get the Sams. Does anyone think I have a chance at any of these cards, or should I just garden my credit until next year when I know my scores will rise?
DISCOVER IT 2K, CAPITAL ONE PLATINUM 1.25K, CAPITAL ONE QUICKSILVER 1K, AMEX BCE $500, FINGERHUT 1.1K,TARGET $500, DILLARDS $200
Yeah I've been reading various posts about Chase, with some saying it's an auto denial, and some saying you can get credit from them as soon as 3 years post BK. It says to check the application and if it asks if you have had a BK to answer NO or leave it blank and talk to Recon. Even though ts the card I want the most, I assumed I would get denied for the Marriott because it is a Visa Signature Card, but I thought I might stand a chance with the Freedom and IHG cards since they could be approved with lower limits. I primarily just want to get in the front door with Chase and Citi. Discover and AMEX gave me a chance so I was hoping they would too. I signed up for Sky Blue Credit Repair. They claim they can help get the 30 day lates and the BK removed, and they have a 90 day money back guarantee, so I guess I should wait and see what transpires from it. Probably nothing but if I just keep doing what I'm doing I should be back over 700 soon
@Anonymous wrote:I've been working hard on repairing my credit after a divorce and finally am at a level where it is at least somewhat respectable. A month ago I went on a little bit of a spree applying for cards. I was approved for a Discover IT with a 2k limit and a AMEX BCE with a 500 Limit. I was denied for a Barclays Extra Points Card, Sams Mastercard, Citi Double Cash, and a Chase Amazon Visa. I know I probably shouldnt have applied for that many, but luckily due to my research the inquiries were somewhat spread out between the 3 bureaus. I will have 5 Experian, 2TU, and 2 Equifax inquires falling off next month. My current profile looks like this:
EXPERIAN 678 VS 644FICO
TRANSUNION 662 VS 641 FICO
EQUIFAX 675 VS UNKNOWN FICO
I have some 30 day lates will be over 2 years old as of February 18, and I do have an old bankruptcy on my record, but it is from 9-2009. I still have a few cards I really want, but don't want to try if I'm just going to be denied. I want a Chase Marriott, Freedom, and IHG Cards. I know about Chase's 5/24 rule so I want to get the Freedom and Marriott out of the way, but also realIy would also like a CITI Costco Visa since I couldn't get the Sams. Does anyone think I have a chance at any of these cards, or should I just garden my credit until next year when I know my scores will rise?
DISCOVER IT 2K, CAPITAL ONE PLATINUM 1.25K, CAPITAL ONE QUICKSILVER 1K, AMEX BCE $500, FINGERHUT 1.1K,TARGET $500, DILLARDS $200
Garden