topic help!! approvals in Credit Cards

help!! approvals

FicoC — Mon, 13 Dec 2021 01:56:10 GMT

hello, i am looking for advice on 1-2 cards to apply for before going into the garden for 16 months!

cards that only pull EQ

EQ FICO 670

EQ Score 680

100% payment

1 year 8 months AaoC

4 years 5 months oldest acc

17% UTI

0 Derogatory

7 iquirys

$140k income

was approved for amex platinum and $2500 NFCU LAST WEEK

just had verizon charge off updated showing $0 balance and no data for all months that used to say charge off, credit went from saying serious delinquency to no delinquency bc of that. that was the only reason i have been denied in last 2 years

Looking for 1-2 cards to apply for today, preferably instant approval likely, generous lenders, nothing with proof of income and most likely to be approved!

*not lying about income, just difficult with salaried job and business owner, 2020 was crazy for my business*

Re: help!! approvals

Anonymous — Mon, 13 Dec 2021 02:15:22 GMT

@FicoC wrote:
hello, i am looking for advice on 1-2 cards to apply for before going into the garden for 16 months!

cards that only pull EQ
EQ FICO 670
EQ Score 680
100% payment
1 year 8 months AaoC
4 years 5 months oldest acc
17% UTI
0 Derogatory
7 iquirys
$140k income

was approved for amex platinum and $2500 NFCU LAST WEEK

just had verizon charge off updated showing $0 balance and no data for all months that used to say charge off, credit went from saying serious delinquency to no delinquency bc of that. that was the only reason i have been denied in last 2 years

Looking for 1-2 cards to apply for today, preferably instant approval likely, generous lenders, nothing with proof of income and most likely to be approved!

*not lying about income, just difficult with salaried job and business owner, 2020 was crazy for my business*

There are some really good banks and CU's that you would problably match to. The problem is;

You have a very thin profile. Therefore, some or all may ask you for proof of income.

Citi, PenFed, Capital One all would probably approve you but with that thin profile they may want to see that proof of income so I am not going to suggest any bank to you. Maybe others can chime in with a bank that will over look. I do not know of any that can for sure say no proof. Sorry

Thanks

Mark

Re: help!! approvals

gdale6 — Mon, 13 Dec 2021 02:40:45 GMT

Hi there OP,

I have removed your duplicate post on this from the approvals forum. Please refrain from cross posting the same things in different forums in the future in can lead to confusion by the members and its not inline with our TOS. Thanks for your understanding on this.

Re: help!! approvals

coldfusion — Mon, 13 Dec 2021 10:31:33 GMT

Here's a good starting point showing which issuers pull which CRA, also broken down by state.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-II/td-p/6379773

Since you don't want to provide POI be aware that credit unions commonly require it.

Re: help!! approvals

increasingmyfico — Tue, 14 Dec 2021 17:56:57 GMT

App for an Amex card like the Blue Cash Preffered or Everyday

Re: help!! approvals

coldfusion — Tue, 14 Dec 2021 18:03:10 GMT

@increasingmyfico wrote:
App for an Amex card like the Blue Cash Preffered or Everyday

OP did specify they were interested in reliable Equifax pullers. AMEX pulls from Experian.

Re: help!! approvals

increasingmyfico — Tue, 14 Dec 2021 19:01:45 GMT

@ coldfusion

Yes, but they have a recent approval there so score is within tolerance. So assuming they specified EQ for that reason that is a non factor. Also mentioned proving poi. Since they are already in with Amex she would be good on that as well.

Re: help!! approvals

lgtwriter — Wed, 15 Dec 2021 23:56:43 GMT

Credit Unions usually will ask for proof of income if you have a thin file.

All of my Citi cards pulled Equifax for me. A few of their cards might accept you with a thin profile and your score. Citi Simplicity might be a good one to think about.