topic Re: Approval Suggestions in Credit Cards

Approval Suggestions

ddemari — Mon, 02 Jun 2014 20:31:43 GMT

After checking my three fico scores, I am sitting at Equifax 640, Experian 641 and Transunion 688. Any recommendations for what card to apply for? I want to app for someone that will pull transunion. I did open a barclay apple card about 3 months ago, not sure if that is too soon to app again for something else?

Re: Approval Suggestions

p- — Mon, 02 Jun 2014 20:36:40 GMT

@ddemari wrote:
After checking my three fico scores, I am sitting at Equifax 640, Experian 641 and Transunion 688. Any recommendations for what card to apply for? I want to app for someone that will pull transunion. I did open a barclay apple card about 3 months ago, not sure if that is too soon to app again for something else?

Capital One should let you in with those scores,

Re: Approval Suggestions

youdontkillmoney — Mon, 02 Jun 2014 21:13:47 GMT

@p- wrote:
@ddemari wrote:
After checking my three fico scores, I am sitting at Equifax 640, Experian 641 and Transunion 688. Any recommendations for what card to apply for? I want to app for someone that will pull transunion. I did open a barclay apple card about 3 months ago, not sure if that is too soon to app again for something else?
Capital One should let you in with those scores,

^^^

Also consider Discover.

Re: Approval Suggestions

myjourney — Mon, 02 Jun 2014 21:18:01 GMT

TU pullers GE and Barclay

More info needed about profile for card suggestions

Baddies

Current CC's

AAoA

UTL

INQ's in the last year

Re: Approval Suggestions

ddemari — Mon, 02 Jun 2014 21:23:45 GMT

Quicksilver MC- 2 k limit

Quicksilver MC- 3 k limit

Quicksilver MC - 2.5 k limit

Barclayapple visa - 1400 limit

Merrick bank visa - 1200 limit

Amazon store card- 600 limit

Gap store card- 500 limit

Target red card - 300 limit

Fingerhut - 2300 k limit

I have 2 baddies on my account from 3 1/2 years ago.

Credit History - 12.2 years

Average age of accounts - 5.2 years

bankruptcy from 9 1/2 years ago.

I do have a lot of inquires on my report - 8 from the last year.

My utilization is at 11%.

Thanks!

Re: Approval Suggestions

myjourney — Mon, 02 Jun 2014 21:35:47 GMT

@ddemari wrote:
Quicksilver MC- 2 k limit
Quicksilver MC- 3 k limit
Quicksilver MC - 2.5 k limit
Barclayapple visa - 1400 limit
Merrick bank visa - 1200 limit
Amazon store card- 600 limit
Gap store card- 500 limit
Target red card - 300 limit
Fingerhut - 2300 k limit

I have 2 baddies on my account from 3 1/2 years ago.
Credit History - 12.2 years
Average age of accounts - 5.2 years
bankruptcy from 9 1/2 years ago.
I do have a lot of inquires on my report - 8 from the last year.

My utilization is at 11%.
Thanks!

IMHO

Garden the cards you have another 6 months and continue to let your scores climb

3 baddies and 8 INQ's in the last year needs time to adjust

Discover may approve you now but would be high APR and a very small limit

Walmart may approve now and is a TU puller along with a free Fico monthly

But with a little more time I think you can get Discover or Freedom

Re: Approval Suggestions

ddemari — Mon, 02 Jun 2014 21:39:20 GMT

Thanks! I am going to garden because Discover is the card I want. I applied back in March and was declined.

Re: Approval Suggestions

myjourney — Mon, 02 Jun 2014 21:41:18 GMT

@ddemari wrote:
Thanks! I am going to garden because Discover is the card I want. I applied back in March and was declined.

Probably a good move Discover is known to pull EQ mostly but have also pulled TU depending on region

Re: Approval Suggestions

ddemari — Mon, 02 Jun 2014 21:42:48 GMT

I am in Illinois, when I applied in March they pulled EQ, back in November they pulled Transunion.

Re: Approval Suggestions

ExplicitElicit — Mon, 02 Jun 2014 21:51:32 GMT

Garden and look into SP cli's on those card if you can.

Re: Approval Suggestions

jim44 — Mon, 02 Jun 2014 21:52:00 GMT

Discover pulled EQ with me about 2 weeks ago and I'm in FLA.