Re: Help. Want to feel comfortable applying for cr... - Page 2 - myFICO® Forums

RealEstateGuy89 · ‎11-11-2022

@tithelady wrote:
Help. Want to feel comfortable applying for credit and avoid unnecessary hard pulls
Presently have the following scores
TransUnion Fico 8 768
Experian. "". 706
Equifax. 757
No real debt whatsoever. Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss. long term member of navy federal cu and bayport cu.
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved.
Any suggestions?

Sorry to hear about your husband. I would take a look at Navy Federal credit union and see if you'd like one of their credit cards there. They pull TransUnion and that is your highest score and you have had a relationship with them for a while. I have the flagship and the cash rewards and I love them both.

tithelady · ‎11-11-2022

No intentional. Getting comfortable using. Please don't beat me up on that matter. Learning curve.

tithelady · ‎11-11-2022

@SouthJamaica wrote:
@tithelady wrote:
Presently have the following scores
TransUnion Fico 8 768
Experian. "". 706
Equifax. 757
No real debt whatsoever. Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss. long term member of navy federal cu and bayport cu.
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved.
Any suggestions?

I would suggest applying for a credit card with one of your credit unions.

Ty

tithelady · ‎11-11-2022

@FireMedic1 wrote:
@tithelady wrote:
Presently have the following scores
TransUnion Fico 8 768
Experian. "". 706
Equifax. 757
No real debt whatsoever. Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss. long term member of navy federal cu and bayport cu.
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved.
Any suggestions?

Dont worry about usage. Its whats reported on statement cut day which should be around 6%. More usage. Better chance of approval and CLI's. Since your a member of NFCU. You can ask for a CLI online and its a SP. And apply for a card to suit your needs. Did the medical collections fall off once paid?

Yes paid in full and immediately fell off.
Made a wonderful difference

Going to do gardening.
Working towards 800 cs now.
TY!!!

tithelady · ‎11-11-2022

@RealEstateGuy89 wrote:
@tithelady wrote:
Help. Want to feel comfortable applying for credit and avoid unnecessary hard pulls
Presently have the following scores
TransUnion Fico 8 768
Experian. "". 706
Equifax. 757
No real debt whatsoever. Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss. long term member of navy federal cu and bayport cu.
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved.
Any suggestions?
Sorry to hear about your husband. I would take a look at Navy Federal credit union and see if you'd like one of their credit cards there. They pull TransUnion and that is your highest score and you have had a relationship with them for a while. I have the flagship and the cash rewards and I love them both.