Citi DoubleCash Approval Odds

[HeavenOhio]

@Anonymous, you're going to get great reports at annualcreditreport.com, but you won't get scores. I don't recall for sure, but you may be presented with some options for buying them.

Applying for Discover It seems to be a great next step. While I agree with the advice above to report lower utilization when you apply, I don't think that it's a huge deal. Using most of a $300 limit just doesn't seem like much of a sin. And your FICO9 is still good despite it.

[Caught750]

+1, I think OP would be approved NOW, just a simple way to raise score and improve for the computer

[SBR249]

I think if the OP wants a 2% CB card and is willing to look at alternative, should probably also look at other options like the Paypal CB MC by Synchrony.

Sync is very generous with CLs and CLIs (Citi is a bit more flaky on that front) and I think the features of the card (no FTF, no redemption thresholds, etc.) is superior. Of course the soft $10K max CL policy is a bit of a bummer but I doubt that's a problem for most people. 

[Anonymous]

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@HeavenOhio wrote:

@Anonymous, you're going to get great reports at annualcreditreport.com, but you won't get scores. I don't recall for sure, but you may be presented with some options for buying them.

Applying for Discover It seems to be a great next step. While I agree with the advice above to report lower utilization when you apply, I don't think that it's a huge deal. Using most of a $300 limit just doesn't seem like much of a sin. And your FICO9 is still good despite it.

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On the wikipedia page it says you can buy scores when you order an official report from annualcreditreport.com. I am learning there are credit reports and then there are different models of scoring (seems Fico 8 is popular).

I considered the Discover, but didn't want to deal with the category rotation, and lower acceptance. I will eventually get an Amazon prime visa card since I have prime, but want get the doubleCash first because that will be my primary card for everyday purchases. Perhaps it a little easier getting the Amazon card first?

Is the number of cards (or different types of credit accounts), and the total credit limit (not just util) important for high-end cards? Besides that and short aaoA I don't think I have any red flags to lenders.

Perhaps it may be worth try and HP to find out what's holding me back if they do decide to reject? I also heard there is a reconsideration line.

[Anonymous]

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@Anonymous wrote:

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@HeavenOhio wrote:

@Anonymous, you're going to get great reports at annualcreditreport.com, but you won't get scores. I don't recall for sure, but you may be presented with some options for buying them.

Applying for Discover It seems to be a great next step. While I agree with the advice above to report lower utilization when you apply, I don't think that it's a huge deal. Using most of a $300 limit just doesn't seem like much of a sin. And your FICO9 is still good despite it.

---

On the wikipedia page it says you can buy scores when you order an official report from annualcreditreport.com. I am learning there are credit reports and then there are different models of scoring (seems Fico 8 is popular).

I considered the Discover, but didn't want to deal with the category rotation, and lower acceptance. I will eventually get an Amazon prime visa card since I have prime, but want get the doubleCash first because that will be my primary card for everyday purchases. Perhaps it a little easier getting the Amazon card first?

Is the number of cards (or different types of credit accounts), and the total credit limit (not just util) important for high-end cards? Besides that and short aaoA I don't think I have any red flags to lenders.

Perhaps it may be worth try and HP to find out what's holding me back if they do decide to reject? I also heard there is a reconsideration line.

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A week ago James_A provided a link where you could obtain your genuine FICO 8 scores from the three major bureaus for $1.  It boggles my mind that you're still talking about buying scores from annualcreditreport.com.  

[Caught750]

OP, I think it's time to pull the trigger or pay $1 for F8 scores. Keep us posted and best of luck!

[Anonymous]

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@Anonymous

A week ago James_A provided a link where you could obtain your genuine FICO 8 scores from the three major bureaus for $1.  It boggles my mind that you're still talking about buying scores from annualcreditreport.com.  

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I'm new to the credit reporting thing; I read that annualcreditreport.com was the only federally mandated and authorized source of credit reports. So I'm wondering how accurate is the information that third parties obtain. CCT seems to be popular on this site; do they get their information from SPs? I assumed calculating a score from a full report is similar to what the bank looks at and thus more accurate.

I guess my confusion is do HPs look at more information in your actual credit report or are they just a mark saying there was an "official" look into the report?

[Jnbmom]

CCT are genuine FICO scores as was stated a few times.

[Anonymous]

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@Anonymous wrote:

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@Anonymous

A week ago James_A provided a link where you could obtain your genuine FICO 8 scores from the three major bureaus for $1.  It boggles my mind that you're still talking about buying scores from annualcreditreport.com.  

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I'm new to the credit reporting thing; I read that annualcreditreport.com was the only federally mandated and authorized source of credit reports. So I'm wondering how accurate is the information that third parties obtain. CCT seems to be popular on this site; do they get their information from SPs? I assumed calculating a score from a full report is similar to what the bank looks at and thus more accurate.

I guess my confusion is do HPs look at more information in your actual credit report or are they just a mark saying there was an "official" look into the report?

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As far as I'm aware, annualcreditreport.com does not provide FICO credit scores.  It is federally mandated to provide reports so you can check for errors, omissions, identity theft, fraud, etc.  It is not mandated to provide credit scores.

The CCT trial membership is popular on these forums because its the least costly way to get your FICO scores from all three bureaus.

CCT is not "third party;" it is owned by Experian which is one of the three credit bureaus that make up the annualcreditreport consortium.

Only entities that have licensed the FICO models from Fair Issac Corporation can use the "FICO" trademark and calculate FICO scores.  You can get FICO scores here at MyFICO (expensive) and a few other sources including some credit cards, but the CCT trial membership is clearly the least costly.

[Caught750]

MYFICO and CCT do not hard pull. They soft pull but charge for credit monitoring. That's the difference. Trust us, people here know what's up.