App Spree Help

[WhiteCollar]

Hello All-

I'm closing on my home in 15 days. Directly after I close, I plan to go on an app spree for 2-3 new cards. I would love to finally get in with AMEX as I know they pull EXP and with PenFed as I was told by their rep that they pull EQ. A DCU and Orbitz Visa are under consideration as well. I want to be intential about the cards I select. 

Citi or Chase are not options as I burned them 4 years ago. With my scores listed below, do you think I will be approved? I have excellent payment history for the past 2.5 years, 1% utilization and 5 inquires on report. 3 of the inquiries were due to me shopping for a mortgage. Please feel free to suggest credit cards.

Data Points:

FICO Score 9        FICO Bankcard Score 8

TU: 684                  TU: 688              

EXP: 696                EQ: 686   

EQ: 705                  EXP: 679

Thanks!

[coldfusion]

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@WhiteCollar wrote:

Hello All-

I'm closing on my home in 15 days. Directly after I close, I plan to go on an app spree for 2-3 new cards. I would love to finally get in with AMEX as I know they pull EXP and with PenFed as I was told by their rep that they pull EQ. A DCU and Orbitz Visa are under consideration as well. I want to be intential about the cards I select. 

Citi or Chase are not options as I burned them 4 years ago. With my scores listed below, do you think I will be approved? I have excellent payment history for the past 2.5 years, 1% utilization and 5 inquires on report. 3 of the inquiries were due to me shopping for a mortgage. Please feel free to suggest credit cards.

Data Points:

FICO Score 9        FICO Bankcard Score 8

TU: 684                  TU: 688              

EXP: 696                EQ: 686   

EQ: 705                  EXP: 679

Thanks!

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AMEX pulls EX 8, not EX Bankcard Score 8.  You're close to being on the fence but leaning toward approval with a lowish limit.

[edited because I misread a part of the original post.  Hi mods!]

DCU pulls EQ FICO 5 so if you're seriously considering them you'll want to check that score as well. 

When you say "burned" do you mean chargeoffs or BK?   If a BK 

[WhiteCollar]

Burned as in charge offs about 3 years ago. I settled the accounts for less than the full balance after they were charged off.

[M_Smart007]

@WhiteCollar,

ETA: PenFed Pulls EQFICO9

You could possibly get some ideas from this?

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

[arifjk]

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@WhiteCollar wrote:

Hello All-

I'm closing on my home in 15 days. Directly after I close, I plan to go on an app spree for 2-3 new cards. I would love to finally get in with AMEX as I know they pull EXP and with PenFed as I was told by their rep that they pull EQ. A DCU and Orbitz Visa are under consideration as well. I want to be intential about the cards I select. 

Citi or Chase are not options as I burned them 4 years ago. With my scores listed below, do you think I will be approved? I have excellent payment history for the past 2.5 years, 1% utilization and 5 inquires on report. 3 of the inquiries were due to me shopping for a mortgage. Please feel free to suggest credit cards.

Data Points:

FICO Score 9        FICO Bankcard Score 8

TU: 684                  TU: 688              

EXP: 696                EQ: 686   

EQ: 705                  EXP: 679

Thanks!

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I can speak of PenFed. WIth you EQ9 being 705, UTIL 1%, you will have a higher chance of being approved for their card. I got approved with UTIL 40% & 6 INQ (al in 2019) with a similar score when I applied in May. I was approved for $17.5K for their Platinum Rewards cards. I applied for their Power Cash right away, and was approved for $5k as well. After that, I swapped the credit limits between the 2 cards around. Recently, I was trying to get the CLI for the Platinum Rewards but they are not showing luv. :-)

[WhiteCollar]

Thank you!