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 751, TU 731, Walmart TU fico 740, EQ 741
Starting Score: 0
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.
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
