28 years old female - 44000 a year
1 Bank of America Visa with $5000 limit - 5 years old, reporting 2200 on report but recently paid off (not reporting the payoff).
1 Citi Card (closed/paid as agreed) - 1000 limit (6 years old acct)
1 Daniels Jewelers (closed/paid as agreed) - 500 limit (5 years old acct)
no lates whatsoever
5 inquiries Experian
5 inquiries Equifax
1 inquiry Trans Union
Recently approved for Discover More, Chase Freedom, etc. but not reporting yet. Approved about a week ago with limits between 2000-4000
Fako scores of 730-740 across all bureaus.
This info is for my friend
hmm well youd likely want a tu pulled card.
so anything from ge.
walmart/sams club ae etc....
and with a 5k card reporting id say youd get the discover version.
are those new cards included in the inq? what limits did they get.
id say wait until the boa reports 0 or whatever you paid and then app for something ge.
you could do it now but it would help in the long run.
most of the uw is the same for all the charge cards.
if she shops at costco id suggest the true earning since its a great card with cash back and no af with costco membership.
Starting Score: 0
Johnny_Favorite wrote:Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)
Would Zync be less inquiry sensitive?
zync is not offered anymore.
but if she wants no af i would go for bce. (blue cash everyday)
are those inq all in the past year
honestly though with her aaoa and spotless record even with a year of cards (since its not reported yet just the inq)
i would think she would be fine but its all ymmv.
