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How much damage did I do?

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Anonymous
Not applicable

How much damage did I do?

My score was in 670 range. I hadn't had any inquiries in over 2 years. I applied for Cap1 and got approved for platinum card w/ $500 CL.  I must've lost my mind and I decided to apply for a Discover & Barclay's iTunes card.  I got denied by both of them.  Discover gave me a pre-approval but then denied me because of al old charge off. Barclay's said no because of insufficient history. 

 

I will not apply for any more cards, that's for sure. But i want to know how much damage I did to my report and about how long should it get back up to 670 or higher? I plan on buying my EQ or TU score again in a week to see the damage.  I'm wanting to buy a car (Nissan) in next couple of months.  I'm hoping I didn't **bleep** myself over on this one. 

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AndySoCal
Valued Contributor

Re: How much damage did I do?

Depends on which bureau(s) were pulled If  it was different bureaus then the damage is minimal.  Here is interesting web site that might help you figure where they pulled your credit from  http://whogavemecredit.com/index.php.  You may get more concrete evidence due the new risk based pricing regulation.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican CU

Pelican State CU Redstone FCU

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