topic Re: Where to go from here? in Credit Card Applications

Where to go from here?

aphrodite871 — Tue, 28 Mar 2017 20:55:12 GMT

Hello, I'm a little confused on what to do. I applied
For a discover it card but got declined due to inquiries (from a dealership when I was trying to get a car on my own) and a Chase card that has now been removed (If I had known it was going to be removed I would have waited) I currently have a capital one platinum unsecured with 300 limit, my car loan and another installment loan for my apartment. I still have some baddies left to tackle, I haven't checked my fico score since the Chase card has been removed, I'm hoping i see a nice jump. I would like a citi double cash back card and a Chase rewards card, possibly a American express. I'm afraid I'll be denied because of inquiries from the dealership. Any input or advice would be appreciated. Can I still call discover and ask for a recon? I applied on March 1st.

Re: Where to go from here?

stargazer25 — Wed, 29 Mar 2017 06:01:04 GMT

Can you give us a bit more information

Real FICO Scores.

Current UTIL %

Baddies

How many HPs?

Re: Where to go from here?

aphrodite871 — Wed, 29 Mar 2017 11:51:30 GMT

My fico scores for Feb are Trans 597 ex 570 and eq 571, my util % was at 113% 5 hard pulls on trans , 8 on eq and 4 on ex. This was before the Chase card got removed. Im currently at 1% util now that the Chase card isn't effecting my util.

Re: Where to go from here?

aphrodite871 — Wed, 29 Mar 2017 11:53:31 GMT

I have 2 medical bills, a repo (currently trying to prove that my ex was responsible) and a baddie from an apartment that I moved out of.

Re: Where to go from here?

Anonymous — Wed, 29 Mar 2017 14:11:37 GMT

How did the Chase card get removed?

Re: Where to go from here?

Anonymous — Wed, 29 Mar 2017 17:57:46 GMT

@aphrodite871 wrote:
I have 2 medical bills, a repo (currently trying to prove that my ex was responsible) and a baddie from an apartment that I moved out of.

If you cosigned then you're screwed with the CRA's. Sorry.

Re: Where to go from here?

AverageJoesCredit — Wed, 29 Mar 2017 18:31:07 GMT

Can you elaborate on what Chase card you had and why its gone? What happened with the car? Also i believe your scores will need to rise some to qualify for the Citi Dc or an Amex, though as usual YMMV

Re: Where to go from here?

aphrodite871 — Wed, 29 Mar 2017 19:43:30 GMT

I had a Chase freedom card. I emailed the executive office asking for an update on the charge off and they stated that they would remove from all 3 credit reporting agencies.

Re: Where to go from here?

aphrodite871 — Wed, 29 Mar 2017 19:45:32 GMT

the car got repoed then auctioned off so I don't owe a balance. Ex husband got the car and was suppose to be making the payment but didn't....

Re: Where to go from here?

AverageJoesCredit — Wed, 29 Mar 2017 20:41:56 GMT

Ok, thanks for sharing and updating us. If the Chase card being on your report was the cause for the high utilization you should see some improvement when that updates for your scores. Make sure you research each csrd you want before applying as thid can save you an inquiry if it looks like you wont get approved. Working on the baddies is always the best first if possible. Once you get your new scores , fico 8 if possible, update this thread and im dure we can help guide you in the right direction. Its not impossible to get an Amex with a lower fico these days but its best to maximize your chances

Re: Where to go from here?

aphrodite871 — Wed, 29 Mar 2017 21:19:11 GMT

Thank you so much!