I had my fico score up to 659 recently. I came back from a score of 510 last year with just a First Progress secured card. Its now dropped to 638. I've had a lot of inquiries lately. I got a few dings from a mortgage officer trying to get approved. I think he dinged it twice. He suggested I keep building my credit. So I ap'd for three more cards. Barclays, chase freedom and discover. I didn't get the discover. I did get the barclays with a limit of $750, and chase gave me $3500.
Is it typical for your score to drop before going back up? How long before the chase and barclays start increasing my score.
Starting Score: 510
Wow @ Chase giving 3.5k and Discover not approving. I would recon the discover as I'm shocked they didn't approve when Chase did.
Sorry for the late reply. Been too busy to remember I had this thread going.
My baddies are 3 delinquencies on my student loan from four years ago. Late payments. Im trying to dispute them because at the time they were suppose to be in deferment, but I have no way to prove that.
I did call discovers customer service back. I didnt use a backdoor number but spoke to an app manager. She told me I could get the card with a co-signer which simply isnt going to happen. You think I should call the back door number? The only issue now is; I app'd for the card when my fico was 659, its now lower. Wont they be less likely to approve now than before?
I was surprised Chase gave me a card with that high a limit. From what I hear they are kinda stringent. Then again my credit file is pretty clean. Im hoping to get a cli from Barclay's as I've been using them to pay all my utilities.
I was going to ask another question but competely forgot what that was going to be lol.