topic Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ? in Credit Card Applications

WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Joeysalaaa — Thu, 28 Aug 2025 20:00:04 GMT

I did it !! EXPERIAN has removed ALL last collections and baddies due to age off in 6-12 months. Yes, they did remove some very early but I got a Credit attorney who disputed some original dates of delinquency and it worked with their EO. I had records showing different DoD than the bank and I finally won my plight !! My score went from 604 to 759 overnight, and will update by morning as my UTIL will show 1% down from much higher than that as well ! So I am expecting a FICO8 between 759 (what it is now) to high 700s based on FICO Sim. FICO9 is showing 721.

Here are my other stats:

UTIL 1%; Highest CL is not great @ $5000 (new) most are $300 - $1000 (2 years old+)

INQs in last year now at 8 (4 auto refinance, 4 CCs)

AAofA 16 years, Oldest 21 yrs, Newest this month -- 2 current auto loans and 15 current student loans (15 yrs old)

$250+ income (depends if I use my partners income on apps and investments)

NO BADDIES!!!! NONE!!!!

All accounts paid and current

I am planning to apply w a local CU, but want to know what lenders you all recommend with these scores to get some good lines added to my profile. Any recs for EXP pulls would be so helpful !!! I am trying to get a healthhy line $10k+ which I know may be a challenge with lowish lines right now but I am hopeful w my scores near 800 and stats I can get something good !!

THANK YOU ALL FRIENDS !!!!

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Vinjints — Thu, 28 Aug 2025 20:08:40 GMT

Congrats on getting those baddies resolved. Does that take care of all of them across all three bureaus?

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Joeysalaaa — Thu, 28 Aug 2025 20:10:52 GMT

Experian yes

Equifax yes

Tu no lol

who should I apply for ???

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

LivingTheAmericanDream — Thu, 28 Aug 2025 20:18:47 GMT

Congrats! Here's a great list of lenders by credit bureau:

Equifax: https://helpmebuildcredit.com/user-cc-results/?card_id=&sort=&bank=&state=&bureau=Equifax&paged=&quickFilter=

Experian: https://helpmebuildcredit.com/user-cc-results/?card_id=&sort=&bank=&state=&bureau=Experian&paged=&quickFilter= Good luck!

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Patient957 — Thu, 28 Aug 2025 20:17:50 GMT

Congrats! It's a great feeling.

@Joeysalaaa wrote:
Experian yes
Equifax yes
Tu no lol

who should I apply for ???

Many banks pull Experian. Amex, Citi (usually).

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Joeysalaaa — Thu, 28 Aug 2025 20:28:37 GMT

Burned Amex years ago that's a no but that's all.

if I do an App Spree today or soon who is most INQ sensitive to avoid ??

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Patient957 — Thu, 28 Aug 2025 20:38:40 GMT

If your auto refi inqs were close in time, part of the same refi, they could be considered as one (deduped), at least by Fico.

What are inqs in the last 6 months? 3 months?

Citi is inq sensitive. Cap One is a triple pull, so they would see your derogs on TU. So you might avoid those two, for now.

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

LivingTheAmericanDream — Thu, 28 Aug 2025 20:40:04 GMT

Citi, Wells, US Bank, Chase, BofA

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Aspireto850 — Thu, 28 Aug 2025 20:41:44 GMT

FANTASTIC!!!! 🎉🎉🎉🎉🎉

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

LivingTheAmericanDream — Thu, 28 Aug 2025 20:43:04 GMT

Pre-Qual Credit Card Sites: https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Qual-Credit-Card-Sites/m-p/6823352#M1886148

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Joeysalaaa — Thu, 28 Aug 2025 21:09:45 GMT

INQs last 6 months 6, last 3 months 3 !

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

Vinjints — Thu, 28 Aug 2025 21:44:47 GMT

I know your stoked about the heavy rise in your scores, but I wouldn't be in a big rush to get a bunch of denials with how much credit seeking you've been doing. Work on raising those limits first and allow the inquires to dissipate. You'd be better off in the long run.

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

dfwxjer — Wed, 03 Sep 2025 13:19:20 GMT

@Vinjints wrote:
I know your stoked about the heavy rise in your scores, but I wouldn't be in a big rush to get a bunch of denials with how much credit seeking you've been doing. Work on raising those limits first and allow the inquires to dissipate. You'd be better off in the long run.

I couldn't have said it better. OP, have patience and manage your current portfolio of cards for a while before strategically applying for cards that fit your specific needs. It's important to develop the right mind set to maintain your newly raised score. App sprees are not it.

Re: WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

LivingTheAmericanDream — Wed, 03 Sep 2025 21:12:01 GMT

@dfwxjer wrote:
@Vinjints wrote:
I know your stoked about the heavy rise in your scores, but I wouldn't be in a big rush to get a bunch of denials with how much credit seeking you've been doing. Work on raising those limits first and allow the inquires to dissipate. You'd be better off in the long run.
I couldn't have said it better. OP, have patience and manage your current portfolio of cards for a while before strategically applying for cards that fit your specific needs. It's important to develop the right mind set to maintain your newly raised score. App sprees are not it.

GREAT advice. I know that, when rebuilding/starting out, most of us make rash decisions based on emotion: good example is multiple cards w/same, basic rewards profile.

(1.5% back comes to mind: past few years I added USAA, Wings, and some other cards to pad my CL total, but the cards don't get as much use as the Fidelity card, which is a flat 2% back card, AmEx BCP, NFCU cards, even CapOne Savor card.)

Can't remember the last time I used the CapOne Venture, Discover IT, PenFed...

Be selective 🤙