topic Upcoming Mini App Spree Advice in Credit Card Applications

Upcoming Mini App Spree Advice

Anonymous — Sat, 03 Jun 2017 04:20:02 GMT

So here is the rub. I have a BK7 reporting from 2010 with no other baddies on my EX or TU. EQ remains dirty as I wait for 4 medical collections to be removed via PFD agreements. With that said, I'd like to avoid, during my mini app spree, any creditor who pulls EQ primarily. Unfortunately, AMEX, Chase, and Citibank were all IIB so I'm thinking I should avoid those as well as there's no point in wasting a HP unless someone disagrees.

I'm wondering if any fine folks can provide me advice on any prime creditors with whom I should apply considering the information above? I've included some data points below if it helps.

Current Scores:

EQ: 670 AAoA - 3.4 years

EX: 706 AAoA - 4.1 years

TU: 721 AAoA - 2.8 years

Current Cards:

Cap1 Q2: 5,500

Credit One: 1,750

Merrick Bank: 1,700

First Premier: 750

Amazon Store: 350

Income > 200K

Re: Upcoming Mini App Spree Advice

jdxprs1 — Sat, 03 Jun 2017 05:31:25 GMT

Pnc bank will pull experian. Very good bank. They value a relationship, not just scores.

Re: Upcoming Mini App Spree Advice

Anonymous — Sat, 03 Jun 2017 14:31:37 GMT

Barclays (prime lender?) pulls mostly TU; you could also look at CUs that pull TU or EX

Re: Upcoming Mini App Spree Advice

Meanmchine — Wed, 07 Jun 2017 03:07:03 GMT

BoA pulls EXP

Barclays pulls TU

Synchrony pulls TU

Comenity SCT pulls EQ but its a SP for the store cards and the SGV

Google Credit Card Pulls Database

Re: Upcoming Mini App Spree Advice

Anonymous — Wed, 07 Jun 2017 13:04:36 GMT

@Meanmchine wrote:
BoA pulls EXP
Barclays pulls TU
Synchrony pulls TU
Comenity SCT pulls EQ but its a SP for the store cards and the SGV

Google Credit Card Pulls Database

Thanks. I actually have looked at the DB and will be using that as a starting point. I don't know that I'm interested in BoA. Barclays seems decent. I'm most interested in products that will grow with me as my scores improve. It seems that Barclay's and Discover may be good options at this point. The Blispay seems like a decent option due to the fact that it seems to be an EX tradeline only.