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Good luck on the apps!  Building a good credit history now will help you down the road immensely.  ...
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This is a read-only topic with new unread messages
One of the factors that affects your score is your "credit mix," i.e. managing different types of c...
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This is a read-only topic with new unread messages
When I applied for a CLI, they initially denied me with a soft pull from EX.  When I called for rec...
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This is a popular read-only topic with new unread messages
Not sure about how Amex works, but with my Wells Fargo Visa, I applied in late December 2011 (like ...
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This is a read-only topic with new unread messages
Dagansinferno: That sounds strange; you should have been approved.  I'd call and ask for recon for ...
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This is a read-only topic with new unread messages
I don't think the 90 day late will bar you from getting a mortgage as long as your current FICOs wo...
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This is a read-only topic with new unread messages
I had to deal with this all the time a while back... my only CC had a $500 limit, and I would frequ...
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This is a read-only topic with new unread messages
I know some banks will do a mid-cycle report to the CRAs if you ask them to.  Otherwise, you can us...
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This is a read-only topic with new unread messages
If you're looking to get a mortgage in the next few months, you should probably hold off on applyin...
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This is a read-only topic with new unread messages
Old and busted: hologram on the front   New hotness: hologram on the magnetic stripe   I rememb...
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This is a read-only topic with new unread messages
I'm not sure who they pulled; it didn't say anywhere on my application or approval who they pulled ...
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This is a popular read-only topic with new unread messages
I've been planning to apply for a Citi card for a while now.  They've been sending me apps for the ...
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This is a read-only topic with new unread messages
I am in the same boat as you.  I've got lates on my CR from 2011 and before, and all I can do is wa...
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This is a read-only topic with new unread messages
I'm in the same boat you are.  The only derogs on my CR are lates on my SLs: 2 with ACS/PHEAA (120+...
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This is a popular read-only topic with new unread messages
How long have you been with TD bank?  Do you have a good history with them?  Do you keep a reasonab...
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This is a read-only topic with new unread messages
General advice: the finance guys at auto dealerships are generally pretty sleazy and shouldn't be t...
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This is a read-only topic with new unread messages
I've received a couple mail offers for this card in the past month or so, too.  Based on my current...
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This is a read-only topic with new unread messages
I just went through this last month.  Removing the TL gave my score a nice bump from 621 to 649.
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This is a popular read-only topic with new unread messages
Congrats on the Amex Green; that's a great card to get.    Chase, Citi, and Discover are all prim...
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This is a read-only topic with new unread messages
I'm up from $500 to $1,000!  I initially made the request last week (discussed here); they did a so...
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