topic Re: When should I apply? in Credit Cards

When should I apply?

inquring_minds — Sat, 29 Sep 2007 19:34:30 GMT

My Trans Union, Equifax and Experian are 610, 655 and 673 respectively. I have (1) charge off in dispute because the account was re-aged and should not be on my TU report per the SOL. Is it safe to apply? need a revolving acct to have a good mixture of credit?

Thoughts?

Re: When should I apply?

Anonymous — Sat, 29 Sep 2007 20:41:14 GMT

Pretty decent scores..I sure would be applying..

Re: When should I apply?

Anonymous — Sat, 29 Sep 2007 23:18:50 GMT

i've done ok with lower scores. amex plat skymile 2k, citi diamond pref. rewards 3.5k (those were the good ones).

get busy and hurry over to the sleigh center when the dust settles.

Re: When should I apply?

VLGaffEsq — Sun, 30 Sep 2007 03:28:54 GMT

If I were you, I would hold off applying until you get that "baddie" off your report and raise your FICO scores as high as possible to ensure you get a lower interest rate and a higher credit limit (unless you are desperate for another credit card right now, which would be a completely seperate issue you would want to address). Always 'work from a postion of strength instead of weakness' is my motto.

Re: When should I apply?

inquring_minds — Sun, 30 Sep 2007 12:20:08 GMT

Good point - thanks!