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Why?
Your current profile isn't clean enough to warrant the denials you're bound to run into. Your ACTUAL accounts aren't old enough.
Sure everyone has to start somewhere but, I think you're rolling the dice w/o the odds on your side. Sit it out for awhile and work on getting things cleaned up some more and let those that you can't scrub off your reports age a bit more.
@Anonymous wrote:
The reason for the app spree is there is a chance I might have a medical collection that may show up on my report even tho I paid the collection company any day. It's a 50/50.
The thing you want least to happen is for you to be approved, then a collection show up, then accounts new and old may have adverse action against you. There's no point in the new account if they're just going to close it a month later. Also, new account PLUS new collection may spook the other lenders. I wouldn't apply with that hanging over my head.
@Anonymous wrote:
I found out that kohls and Macy's will allow to add a joint user. I have a family member that has both these accounts for over 12 yrs, if I add myself will it seem like Ive had them for 12 yrs and not seem like a AU account
Trying to outsmart the banks isn't going to hide the negatives on your reports. If you get higher scores from the AU/Joint provision then you still have a dirty file w/ slightly higher scores.
I'm all for throwing caution to the wind in certain circumstances and advise people to go for the card they WANT and not the one that is given. My view is from experience. Why waste the inquiries now when you don't really NEED to. Put in the work and then reap the results.
Medical collections are incredibly common, most lenders don’t even take them into account these days when reviewing credit anyway, especially if they’re paid. I personally have had a hospital send me to collections for copays twice rather than send me a bill for the copay that’s owed. This is also why medical collections tend to be very easy to get removed. Planning an app spree based on a potential collection account showing up is foolish. Also a collection cannot be added to your credit with a $0 balance so this whole line of questioning is moot. Save your receipt that it was paid and if it shows up, send that in to the credit bureaus and it comes right off.
@Anonymous wrote:
I'm gonna put in a few apps tmrw since I have 3 inq from June 11 2018
So I figured June 12 2019 will give me better chances for approval.
The reason for the app spree is there is a chance I might have a medical collection that may show up on my report even tho I paid the collection company any day. It's a 50/50.
My stats
Positive
Citi secured 13mo 0/200
Indigo 10mo 0/300
Kohl's AU. 12yrs 330/3500
Self lender. 7/24mo 325/500
DCU Loan. 6/6mo 0/500 paid off
Negatives
CU loan 24mo 5yr old Paid off /closed 1-30 day late
2- Student Loans- 6 yr old
Charged off- 5500 Bal
Will this fall off next year it's
With Dept of education
TU-698. Inq-1 EQ- 704 inq-3
AAoA- 4yr 9mo. - 5yr 10mo
Income- 94k
Discover is a for sure. But who else
What are my chances for Uber Visa or Amex Delta, PayPal 2%
What else. I wanna put in one for cap1 but I had a secured card long ago that was delinquent and closed but paid off with depoist so am I blacklisted with them.
I'm doing this first thing tmrw and will post results so any guidance is appreciated. I'm gonna do 3-4 apps hope to get at least 2 cards and then garden for 2 years.
IMHO, I think you should save yourself from HPs and likely denials. All of your CCs are toy limits with a young history. It may be best if you go to the garden today. Also, are those FICO scores?
But, if you decide to go ahead with this spree, which I hope you don't, GL2U.