Established Contributor
Posts: 716
Registered: ‎08-26-2011
Re: After Barclay when is it safe to apply?

My understanding is they monitor new accounts for 6 months. Barclay's is my latest account, but Cap1 actually hit my reports after Barclay's even though I app'ed with them before. Needless to say, I was scared! I won't be app'ing for anything new until my 6 months is up -- which ironically is when my baddie falls off.


Tread carefully and we should be fine.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.