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what card with Tu score of 652?

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Frequent Contributor

Re: what card with Tu score of 652?

No inquiries on my TU and EQ report, but I have 8 inquiries on my EX report... I plan on fighting at least 4 of them... I tried disputing it, but they said it can't be disputed... Hopefully next year comes ASAP.
Super Contributor

Re: what card with Tu score of 652?


koky wrote:
No inquiries on my TU and EQ report, but I have 8 inquiries on my EX report... I plan on fighting at least 4 of them... I tried disputing it, but they said it can't be disputed... Hopefully next year comes ASAP.

While I think you should garden for another 1-2 months and then give it a shot you do have something in your favor Walmart/GE pulls TU and that will certainly look good having no INQ's  a PLUSSmiley Wink

Good Luck should you pull the trigger

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Member

Re: what card with Tu score of 652?

 
Epic Contributor

Re: what card with Tu score of 652?


koky wrote:
No inquiries on my TU and EQ report, but I have 8 inquiries on my EX report... I plan on fighting at least 4 of them... I tried disputing it, but they said it can't be disputed... Hopefully next year comes ASAP.

Walmart is really weird on approvals.  I have seen some with scores in the 700s get denied and those with lower scores approved.

 

It really depends on your overall credit profile.  Anything negative recently?

Regular Contributor

Re: what card with Tu score of 652?

Walmart is weird, I got approved for a Walmart Discover with a $600 CL, I then called in and they bumped me to $3k. 

Frequent Contributor

Re: what card with Tu score of 652?

I haven't had a late payment since. June of last year.... I don't want to apply and get denied.. Am in a process of getting a Condo so I don't want that many inquiries on my report...
Moderator Emeritus

Re: what card with Tu score of 652?


koky wrote:
I haven't had a late payment since. June of last year.... I don't want to apply and get denied.. Am in a process of getting a Condo so I don't want that many inquiries on my report...

General rule of thumb when apping for a mortgage.  No new accounts within 6 months of of apping for a mortgage.  I would just garden what you have and then app for it after your mortgage.  YMMV

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.