topic Re: Need Credit Card Advise from Expert with 767 Plus Score in Credit Cards

Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Mon, 05 Nov 2007 22:16:23 GMT

I have an serious question need asap advise on. Just went thru an credit agency to help me clean up my credit so can get better credit as it was runied soemone used my name scrwed it up but got file to complete cleaned . They got me added 3 trade lines 1st Citibank CL 4800.00 Bal 0 Date Opened 1-1999 AU 2nd Citibank CL 16,000 Bal 52 Date Opened 11-2004 AU 3rd Citibank CL 16,210 Bal 590 Date Opened 10/2000 AU over 60 days I have 4 accounts in good standing no late history etc..oldest account 1999 My plus score tells me 767 thru Experian excellent credit score.

Should I try applying for credit cards is this good enough im not sure what fico score could be with this plus score. have been told if I apply for cards same day that the inquirys will all hit one after the other that day Im not sure if thats true . Have been told could apply for cards but per one will only see one inquiry take day to show rest of them applied . I need someone can help trust casue I dont believe the place that has helped me get the trades places is trying to tell me hold off on applying on any cards .. please assist someone email me what should do casue I need to get credit if this really works and what I should apply for list and how many times should apply and what I might get towards total credit
Message Edited by fused on 11-05-2007 11:38 AM

Message Edited by sfdiscobay on 11-05-2007 02:14 PM

Message Edited by sfdiscobay on 11-05-2007 02:16 PM

Re: Need Credit Card Advise from Expert with 767 Plus Score

SmartCookie — Mon, 05 Nov 2007 21:23:15 GMT

Hi and welcome,

Can you please edit that post and make the font smaller so your post is reader-friendly? Thanks!

Re: Need Credit Card Advise from Expert with 767 Plus Score

fused — Mon, 05 Nov 2007 21:39:28 GMT

edited!

Re: Need Credit Card Advise from Expert with 767 Plus Score

SmartCookie — Mon, 05 Nov 2007 21:40:14 GMT

fused wrote:
edited!

My hero.

Re: Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Mon, 05 Nov 2007 21:50:05 GMT

You mean this is the edited version???

It looks like the TLs were purchased.

To the OP: Why not apply for just one card, and see how it goes? You might have had trouble in the past with credit -- or had no credit -- so start slowly.

Message Edited by masdeocho on 11-05-2007 04:50 PM

Re: Need Credit Card Advise from Expert with 767 Plus Score

fused — Mon, 05 Nov 2007 21:53:13 GMT

masdeocho wrote:

You mean this is the edited version???

It looks like the TLs were purchased.

To the OP: Why not apply for just one card, and see how it goes? You might have had trouble in the past with credit -- or had no credit -- so start slowly.

Message Edited by masdeocho on 11-05-2007 04:50 PM

Might I add a little bright color to it. I suggest green, it's my favorite color!

Re: Need Credit Card Advise from Expert with 767 Plus Score

SmartCookie — Mon, 05 Nov 2007 22:16:47 GMT

Please make sure to read the start here: http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654 so you are familiar with the basics. For privacy reasons, you might wish to edit out your email address and just use the private messages on the forums.

We really like to keep things on the forum though as there are many people that might be helped from your situation. Nothing stopping you from getting extra help with someone thru PMs and sharing your email that way though of course!

As you are aware, the PLUS score is not a FICO and unfortunately that won't help you or us. You can get all 3 FICOs here in the Product section, and I'd recommend clicking the link on the top of the mail myfico.com page for the discount offer.

What exactly did this credit agency help you do with these 3 TLs, remove them?

Inquiries can hurt you. The best method is to repair first and rebuild. You want to apply for a card that will suit you, and one that you know you have a high chance of getting appoved for. Each and every hard INQ from a credit card app counts against your FICO score for a year.

The credit agency might or might not have been accurate in telling you to hold off. Read the Start here and pull your FICOs when you are ready, give us more info on what is going on with your CBRs currently, do your homework, and we'll be glad to give you lots of good advice.

Welcome again!

Message Edited by SmartCookie on 11-05-2007 05:16 PM

Re: Need Credit Card Advise from Expert with 767 Plus Score

MidnightVoice — Mon, 05 Nov 2007 22:06:28 GMT

SmartCookie wrote:

we'll be glad to give you lots of good advice.

Welcome again!

Except for me - I specialize in dubious advice. "Take my advice - after all, I never use it"

Re: Need Credit Card Advise from Expert with 767 Plus Score

SmartCookie — Mon, 05 Nov 2007 22:16:23 GMT

MidnightVoice wrote:

Except for me - I specialize in dubious advice. "Take my advice - after all, I never use it"

I'd swear it was a full moon.

Re: Need Credit Card Advise from Expert with 767 Plus Score

fused — Mon, 05 Nov 2007 22:25:04 GMT

sfdiscobay wrote:

I have an serious question need asap advise on. Just went thru an credit agency to help me clean up my credit so can get better credit as it was runied soemone used my name scrwed it up but got file to complete cleaned . They got me added 3 trade lines 1st Citibank CL 4800.00 Bal 0 Date Opened 1-1999 AU 2nd Citibank CL 16,000 Bal 52 Date Opened 11-2004 AU 3rd Citibank CL 16,210 Bal 590 Date Opened 10/2000 AU over 60 days I have 4 accounts in good standing no late history etc..oldest account 1999 My plus score tells me 767 thru Experian excellent credit score.

Should I try applying for credit cards is this good enough im not sure what fico score could be with this plus score. have been told if I apply for cards same day that the inquirys will all hit one after the other that day Im not sure if thats true . Have been told could apply for cards but per one will only see one inquiry take day to show rest of them applied . I need someone can help trust casue I dont believe the place that has helped me get the trades places is trying to tell me hold off on applying on any cards .. please assist someone email me what should do casue I need to get credit if this really works and what I should apply for list and how many times should apply and what I might get towards total credit
Message Edited by fused on 11-05-2007 11:38 AM

Message Edited by sfdiscobay on 11-05-2007 02:14 PM

Message Edited by sfdiscobay on 11-05-2007 02:16 PM

These AU accounts, are with a spouse or parents? So you do not have any credit cards in your own name?

Re: Need Credit Card Advise from Expert with 767 Plus Score

Creditaddict — Mon, 05 Nov 2007 22:51:36 GMT

with that score go apply for amex blue!

Re: Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Mon, 05 Nov 2007 22:51:45 GMT

if you could post real fico's it would help for advice.

Re: Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Mon, 05 Nov 2007 22:57:50 GMT

Since the plus score is a risk score, you may try amex.

Re: Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Tue, 06 Nov 2007 04:24:39 GMT

With that score and all his accounts being AU I'd highly recommend he quick like a bunny snag himself 3 or 4 prime cards before this year ends and the next FICO08 starts. Once the AU's start dropping off his score will plummet and he will need some open tradelines with a few months at least on them just to have a walking start.

Just my humble 2 copper's worth.

Van

Re: Need Credit Card Advise from Expert with 767 Plus Score

Creditaddict — Tue, 06 Nov 2007 04:27:24 GMT

I VERY MUCH AGREE with that... I would hit all the major goodie banks RIGHT NOW before you loose all that history.

American Express

Chase

Citibank

BOA

USbank

get 3-5 cards

Re: Need Credit Card Advise from Expert with 767 Plus Score

SmartCookie — Tue, 06 Nov 2007 04:44:10 GMT

No moves though till we know if OP has major derogs/unpaid collections or BK.

I still want to see triple FICO scores though.

Re: Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Tue, 06 Nov 2007 18:35:22 GMT

I dont have except one card in my own name these are AU added trade lines on my account to help boost my recient credit clean up . I have an very super clean credit file now no late payments, no judgements, no bankrupty, etc.. How much credit could I expect to probally be shooting for in applying for Im going to put for income 120,000 for Exec for my company CCINC LLC . Could someone give me an list of the banks should apply for credit type of cards. Casue I think that the credit agency wants to try make an profit off getting applying for credit cards for me tranaction fee and why would they want suggest me send copy of my ssn card for there file. anyone please send me message casue I need to know this info directly

Re: Need Credit Card Advise from Expert with 767 Plus Score

Creditaddict — Tue, 06 Nov 2007 18:57:14 GMT

www.usbank.com apply for there signature card

www.americanexpress.com apply for the delta gold card then when you receive it do a product change if you like one of the other cards better

www.capitalone.com apply for any of the cards off the good to excellent credit side

www.bankofamerica.com any of the cards you like should work

www.citibank.com again any you like should be fine.

Re: Need Credit Card Advise from Expert with 767 Plus Score

SmartCookie — Tue, 06 Nov 2007 18:57:35 GMT

sfdiscobay wrote:
I dont have except one card in my own name these are AU added trade lines on my account to help boost my recient credit clean up . I have an very super clean credit file now no late payments, no judgements, no bankrupty, etc.. How much credit could I expect to probally be shooting for in applying for Im going to put for income 120,000 for Exec for my company CCINC LLC . Could someone give me an list of the banks should apply for credit type of cards. Casue I think that the credit agency wants to try make an profit off getting applying for credit cards for me tranaction fee and why would they want suggest me send copy of my ssn card for there file. anyone please send me message casue I need to know this info directly

Again, sorry... really can't help much without FICOs but you can do your own research at whogavemecredit.com in addition to searching thru reading the posts on this forum. You need to do some research.

Your reports do sound clean though and I think that credit repair company is out to make a buck, I see no reason for you not to apply for cards on your own starting now.

Income does matter for CLs. There is no way to tell exactly what type of limit you will get at application but if your FICOs are mid 700's and PFICOs in that range as well, you should be able to get a 10k card. Just be careful not to over-inflate your income, has the potential to cause problems if they find out you gave fraudulent info or they account review you like AMEX.

Re: Need Credit Card Advise from Expert with 767 Plus Score

Anonymous — Tue, 06 Nov 2007 21:13:19 GMT

now with citibank having 3 cards being an AU user what would citibank probally give me for credit card line what would be an safe bet to when i do apply towards income can I safely place down 100000.00 under my CCINC LLC company that I have with no income problems toward being looked at