My fico for transunion was 644. I had my only collection deleted and just ordered a new fico score . Score is 743 for Transunion and 687 equifax (still have 1 only collection on Equifax) I really want to apply for the freedom card and walmart card but honestly I have too many inquiries.
updated to say I was approved for the Chase Freedom!!!!!! I think I will wait on the Walmart card and quit while I am ahead.
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Thats terrific new congrats How many inquiries do you have?
Starting Score: 0
@journey258 wrote:Awesome! How old was your collection?
Hello, it was a 1 year and 5 months old ..give or take
@annielorie wrote:Thats terrific new congrats How many inquiries do you have?
On transunion, there are 5 in the last year but 3 of them are Cap 1/ HSBC over a fiasco I was having with the low credit starting limit ($300). I didn't understand they would be dinging me with hard inquiries over a period of less than a month. Experian has 7 total with 3 being in the last year. Equifax 1 in the last year but 4 total over two years. Too many?
@pizzadude wrote:
@calihlove75 wrote:My fico for transunion was 644. I had my only collection deleted and just ordered a new fico score . Score is 743 for Transunion and 687 equifax (still have 1 only collection on Equifax) I really want to apply for the freedom card and walmart card but honestly I have too many inquiries.
Congrats ! That's a huge score boost ! Was this the only deragatory item on your credit report ??
Hello, yes that was the only bad thing on my TU report. I only had one collection. It is completely clean now 
@calihlove75 wrote:
@pizzadude wrote:
@calihlove75 wrote:My fico for transunion was 644. I had my only collection deleted and just ordered a new fico score . Score is 743 for Transunion and 687 equifax (still have 1 only collection on Equifax) I really want to apply for the freedom card and walmart card but honestly I have too many inquiries.
Congrats ! That's a huge score boost ! Was this the only deragatory item on your credit report ??
Hello, yes that was the only bad thing on my TU report. I only had one collection. It is completely clean now
Wow, awesome 
~ just goes to show the impact of a major derogatory item like a collection.....it can definately tank your scores.
Do you bank with Chase if so try to talk to the bank rep before they run your credit see what they say.
@annielorie wrote:Do you bank with Chase if so try to talk to the bank rep before they run your credit see what they say.
I was approved for the Chase Freedom. Got the 7-10 day but called and talked to a credit analyst who approved me for $3000. I am gonna wait on the GE Walmart. I have had another account with GE for a year but think applying would be a mistake. Took a hit on experian and TU for the freedom card.