Barclay approvals?!

[GoldSorata]

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@Anonymous wrote:
On cct it was just pulled it offers a 3 bureau pull and it shows transunion at 43% util so does credit karmas transunion. I'm saying close to two months ago I paid all of the 43% off and transunion is the only one that hasn't updated. And I called them a few times asking and they would tel me they update when the cc companies bill cycle ends yet Trans is the only slow one because ex & eq have been updated for about a month.

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I've experienced TU slow to update by a matter of days but not months. That stinks it's so slow in your case. I'd wait for it to udate as that should give you a score bump. 

[OmarGB9]

Waiting is (almost) always a good idea. Lol. Btw, which card in particular were you thinking of applying for?

[Anonymous]

Lol yea I thought so too. Until the banker told me wth was I doing with cc that are five years old and never requesting cli after they stopped. So I assumed that meant I should try. The barclay rewards card

[OmarGB9]

I got that card when my scores were probably 660-680ish but I don't recall what my util was.

[Anonymous]

I'll wait patiently for that then preferably 680 I have a fear of denial lol

[OmarGB9]

Okay just did some digging around and some quick math and I think my util was ~28%, so just under the 30% recommended threshold. But anyway yes the higher your scores and lower you util the better the odds lol.

[NY2014]

Just get your Utilities down under 10% you'll be ok, No lates, Derog, less than 6 inquiries, within the past 6 months,  only Apply when your confortable with your TU score.if your not in a rush ... 

[Anonymous]

No rush here. Thank you

[morgacj2004]

Got my BC Rewards awhile back. My score at the time was in the 640 range.

[Anonymous]

Very cool, thank you @800fg