Fico 8 scores

[Anonymous]

Equifax 622
Transunion 608
Experian 635

I have a quicksilver that just got upgraded by $5000. Should I wait to go on a slight app spree after that CLI has reported to my credit or do it before?

Also any suggestions on who to app for with these scores? I also have a spark card and credit one. As well as a vehicle loan.

I almost thought to try Capital one again. But would love a chase, amex, jeep (first Bank of Omaha I believe), an apple card, Alaska Airlines, or Hawaiian airline.

Barclay never liked me much though lol. Experian has the highest credit checks for me. So who is forgiving of high inquiries.

[Anonymous]

Congratulations on the CLI! Yes, I would let it update on your 3b first before applying elsewhere. Also, what is pulling your scores down low? What is your util % etc on current CC's? Any baddies?

[Anonymous]

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@rmm140 wrote:
Congratulations on the CLI! Yes, I would let it update on your 3b first before applying elsewhere. Also, what is pulling your scores down low? What is your util % etc on current CC's? Any baddies?

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Thanks!! Ok, will do. That gives me a few days to work on getting a couple a baddie off. I just realized that I have a verizon account that has shown up in place of the original baddie I thought was there. Its a 2013 charge. Maybe I can pay them partially to delete it with my new CLI. Maybe that will be putting this new credit to good use lol. my utilization is 30%.

[Anonymous]

Congrats on the CLI! I have very similar Fico 8 scores to yours EX 655 (ing 6) - TU 634 (inq 10) - EQ 603 (inq 12) and also very similar uti @ 30%. What's your inq count look like?

I also have the Cap1 Quicksilver (not yet reporting) but it's currently only at $500 also the Plat @ $500 (hoping to pc those to remove the Plat). I think my scores are down because of inquiries and AAoA is only 1.5yrs / 2yrs with several recent accounts in last 6 months.

I was also thinking of the Apple Rewards or Barnes & Noble next to get in with Barclay but I'm scared to pull the trigger on cold apps and get disappointed. I really want the Sams Club M/C but only recently got in with Synchrony through Walmart with $700 SL a month ago and I'm waiting for a pre approval at their register (once again scared of cold apping lol).

Best of luck to you!

[Anonymous]

Congratulations on the CAP1 CLI ! How long did you have the CAP1 for before the CLI ? Also, did you request it or was it automated? 

[Anonymous]

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@Anonymous wrote:
@Congrats on the CLI! I have very similar Fico 8 scores to yours EX 655 (ing 6) - TU 634 (inq 10) - EQ 603 (inq 12) and also very similar uti @ 30%. What's your inq count look like?

@I also have the Cap1 Quicksilver (not yet reporting) but it's currently only at $500 also the Plat @ $500 (hoping to pc those to remove the Plat). I think my scores are down because of inquiries and AAoA is only 1.5yrs / 2yrs with several recent accounts in last 6 months.

I was also thinking of the Apple Rewards or Barnes & Noble next to get in with Barclay but I'm scared to pull the trigger on cold apps and get disappointed. I really want the Sams Club M/C but only recently got in with Synchrony through Walmart with $700 SL a month ago and I'm waiting for a pre approval at their register (once again scared of cold apping lol).

Best of luck to you!

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Thanks! I am soo excited to have it. $9300 credit line. I am in shock lol! I am scared of syncrony and barclay. Almost more that Amex because I applied for them noth and got shut down a few times. Webbank and I have a small relationship with fingerhut. I am not using that account right now. I am not sure if I should order something or not.

I have always been curios about the shopping cart trick. I havent gotten anything from it yet.

[Anonymous]

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@Anonymous wrote:

Congratulations on the CAP1 CLI ! How long did you have the CAP1 for before the CLI ? Also, did you request it or was it automated? 

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Thanks so much! I believe I had to wait 6 months every time. My last two were the best CLI. I always request them. I check back in often to see if Capital one will let me off of the 6 month hook but no dice so far.

[Anonymous]

Either way, LUV is LUV lol ! I just cut my 3rd statement with them and they wont budge and give me a CLI so.. I'll just sit tight and wait a couple of more months  Congrats again ! Best wishes on your credit journey ! 

[Anonymous]

Yes I was shown lots of love!! I hope I get even more love from them with my other card. They don't really seem to want to budge on the 6 months but good luck. I used my card for every purchase and paid down a couple times a month. I always carry a balance too. I know some people don't. I'm hoping this strategy works again lol.

Good luck!! And thanks again!!

[Aduke1122]

Hey how long has your Cap One been opened Op , with your scores I would wait until they have gotten better to app for anything else . Congrats on the CLI