topic Re: Should I apply now? in Credit Cards

Should I apply now?

Anonymous — Tue, 06 Apr 2010 13:52:00 GMT

Hi all-

We just purchased a new van. I've been waiting to apply for a Kohl's card, because I knew the time was coming to replace our 11 year old Voyager and I wanted to have those scores as high as possible. Should I go ahead and apply for it now so the hard inquiries will be just a few weeks apart and fall off nearly at the same time,or wait, not to alarm other CC with all the credit apps??

Re: Should I apply now?

Anonymous — Tue, 06 Apr 2010 14:20:54 GMT

IsItaGoodSpeend,

Do you know what your scores were before the new van? How about after? Also did you find out your scores from the dealer?

Re: Should I apply now?

Anonymous — Wed, 07 Apr 2010 12:31:24 GMT

Felixfly2000-

According to myFico

Me: TU 748 EQ 723 DH: TU 685 EQ 716

Then applyed with CU. They pulled TU only (real not auto enhanced)

Me: 735 DH: 700

Dealer got a lower rate and said these were the scores:

Me: TU 749 EQ734

DH: TU 721 EQ717

I haven't pulled them since. Honestly, I don't want to spend the money because what I get here and what the banks/CU gets aren't the same!

Re: Should I apply now?

Anonymous — Wed, 07 Apr 2010 17:15:46 GMT

@Anonymous wrote:
Hi all-
Should I go ahead and apply for it now so the hard inquiries will be just a few weeks apart and fall off nearly at the same time,or wait, not to alarm other CC with all the credit apps??

How many other apps have you done lately?

Re: Should I apply now?

tray — Wed, 07 Apr 2010 17:26:46 GMT

@Anonymous wrote:
Hi all-
We just purchased a new van. I've been waiting to apply for a Kohl's card, because I knew the time was coming to replace our 11 year old Voyager and I wanted to have those scores as high as possible. Should I go ahead and apply for it now so the hard inquiries will be just a few weeks apart and fall off nearly at the same time,or wait, not to alarm other CC with all the credit apps??

With the Kohl's credit card they use the EX vantage score for their apps, you can get this for $7.95. So you do not have to worry about TU or EQ scores if you are interested in getting this card