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what card with Tu score of 652?

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.
Message 11 of 17
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?
Message 12 of 17
Member

Re: what card with Tu score of 652?

 
Message 13 of 17
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?

Message 14 of 17
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. 

Message 15 of 17
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...
Message 16 of 17
Highlighted
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.
Message 17 of 17