@MyLoFICO wrote:
@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
Checked and still getting the blah offers. I didn't think 2 inquiries could throw off a prequal so quickly. Cap1 is usually so inq friendly.
I know they tend to have less of an impact after 12 months but what about 3 or 6? No baddies to speak of except a 30 day late from March 2013... possibly a 60 day from April 2013 (fighting Acura on that) but the car loan is paid off as of April 2013. You can see other info on my siggy or reading my earlier posts.When I mouseover the see if your prequalififed link a balloon pops open that says "Get back in the garden!"
Oh I hear ya, I'm afraid to do anything more at this point! And then I'm worried if I don't.
A lot of suggestions are stating wait 3 - 6 months. I'm still learning a lot and wondering... would I be better off apping
now because Cap1 seems finicky. Will those new accounts look better considering I stay below 9 % and good standing... or worse because I have several new accounts opened within a year. I mean what the chances are I won't see those prequals again. Urgh.
Take a word of advice from someone who just racked up all the inq's in my siggy and stop. Stop while you can. If a unique opportunity presents itself, you don't want to kick yourself because you rolled the dice and got denied something good and then have no choice but to wait 2 years. It sucks.
No you're absolutely right and I appreciate your help and insight. I'm here to learn and help others any way I can. 
I think I'm just excited and disappointed at the same time. I'm kicking myself since I could of app'd and Chase probably would of only seen the inquiries on EX since the accounts would if been so new. Plus seeing a prequal for the higher ended cards compared to where I was is also exciting as I'm sure you know.
I may still get denied for the CSP anyway, but that doesn't mean I can't try again in 3 months... in fact, any ideas if 3 months will look better for me especially since I'll be keeping util down to 9 % on only one card?
I just hope that the prequals will return.. those were my lowest aprs. They would of been I mean.
@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
Checked and still getting the blah offers. I didn't think 2 inquiries could throw off a prequal so quickly. Cap1 is usually so inq friendly.
I know they tend to have less of an impact after 12 months but what about 3 or 6? No baddies to speak of except a 30 day late from March 2013... possibly a 60 day from April 2013 (fighting Acura on that) but the car loan is paid off as of April 2013. You can see other info on my siggy or reading my earlier posts.When I mouseover the see if your prequalififed link a balloon pops open that says "Get back in the garden!"
Oh I hear ya, I'm afraid to do anything more at this point! And then I'm worried if I don't.
A lot of suggestions are stating wait 3 - 6 months. I'm still learning a lot and wondering... would I be better off apping
now because Cap1 seems finicky. Will those new accounts look better considering I stay below 9 % and good standing... or worse because I have several new accounts opened within a year. I mean what the chances are I won't see those prequals again. Urgh.
Take a word of advice from someone who just racked up all the inq's in my siggy and stop. Stop while you can. If a unique opportunity presents itself, you don't want to kick yourself because you rolled the dice and got denied something good and then have no choice but to wait 2 years. It sucks.
No you're absolutely right and I appreciate your help and insight. I'm here to learn and help others any way I can.
I think I'm just excited and disappointed at the same time. I'm kicking myself since I could of app'd and Chase probably would of only seen the inquiries on EX since the accounts would if been so new. Plus seeing a prequal for the higher ended cards compared to where I was is also exciting as I'm sure you know.
I may still get denied for the CSP anyway, but that doesn't mean I can't try again in 3 months... in fact, any ideas if 3 months will look better for me especially since I'll be keeping util down to 9 % on only one card?
I just hope that the prequals will return.. those were my lowest aprs. They would of been I mean.
All 3 of my CR's show a "Recenently seeking credit" flag. I suspect that once that goes away any future approval might have a better chance unless the creditors are looking at the number of inq's. Truth be known, I am not too sure how all that works. I was just excited to be getting approve and got a couple of cards I didnt really need.
Oh I totally understand! It feels great to finally get prequals and offers. I wanted to get all my HP's out of the way I should of just done it.
Recently seeking credit... hmm I've never heard of it before so I can honestly say I have no idea. I'm gonna look that up.
I have been kind of obsessing about why my prequals disappeared/changed. Obviously it could of been my 2 HPs hence my fico score dropping. It's just driving me nuts because I want to understand so badly.
Inquiries don't seem to be sensitive issue for some companies as you know.. including Cap1. I've read sooo many posts where inquiries were out the roof. Of course then it depends on the overall file. So much to learn!!
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Sorry to hear that! There are times when CO can be soooooo cruel!
It's cool. I have cards I use more anyways.
I have 2 Q1's that they won't PC. Soon as the second one hit the year mark next month, I'm going to hit the love button, combine into one then sock drawer it goes!!
You also might check each card and see if there is a 12 or 18 month 0% BT on one of the cards before you combine. If you do have one I would suggest combining them into that one and you will have a nice 0% BT card..
Hmmm!! Thanks for this information. I will definitely check into that!
@MyLoFICO wrote:
@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
Checked and still getting the blah offers. I didn't think 2 inquiries could throw off a prequal so quickly. Cap1 is usually so inq friendly.
I know they tend to have less of an impact after 12 months but what about 3 or 6? No baddies to speak of except a 30 day late from March 2013... possibly a 60 day from April 2013 (fighting Acura on that) but the car loan is paid off as of April 2013. You can see other info on my siggy or reading my earlier posts.When I mouseover the see if your prequalififed link a balloon pops open that says "Get back in the garden!"
Oh I hear ya, I'm afraid to do anything more at this point! And then I'm worried if I don't.
A lot of suggestions are stating wait 3 - 6 months. I'm still learning a lot and wondering... would I be better off apping
now because Cap1 seems finicky. Will those new accounts look better considering I stay below 9 % and good standing... or worse because I have several new accounts opened within a year. I mean what the chances are I won't see those prequals again. Urgh.
Take a word of advice from someone who just racked up all the inq's in my siggy and stop. Stop while you can. If a unique opportunity presents itself, you don't want to kick yourself because you rolled the dice and got denied something good and then have no choice but to wait 2 years. It sucks.
Why did you apply for Fingerhut? Lol!!!
Never had fraud reports on mine but I'm guessing that can cause some problems. 
Once I get my decision from Chase on the CSP I'll probably be heading to the garden for at least a few months so I can tend to my new tl's.
I am wondering though... there are conflicting statements as to what Cap1 is SPing. Whether they are 2 months old or not I can't tell and I don't want to have to pay right now for a report just to check. I doubt it since my reports from right now are better than they were 2 months ago but you never know.
Once I get my decision from Chase on the CSP I'll probably be heading to the garden for at least a few months so I can tend to my new tl's.
I am wondering though... there are conflicting statements as to what Cap1 is SPing. Whether they are 2 months old or not I can't tell and I don't want to have to pay right now for a report just to check. I doubt it since my reports from right now are better than they were 2 months ago but you never know.
Thanks for checking ladym2011!
They must be using old SP's, I'm still not sure if those are instant hits or not so that's just a guess obviously.
They must be using old SP's, I'm still not sure if those are instant hits or not so that's just a guess obviously.