Going nuclear on applications in 2 weeks

[snickerpedia]

Are your only cards capital one and PenFed??

[Anonymous]

Take it from me you dont want hard pulls for no reason, try the soft pulls on the accounts that you have history with. You have to look at your overall profile from the outside. Just get the car and let the credit build, jmo. good luck in whatever you do, Im not downing you, i made every mistake on my way up

[nosup4u]

probably between 8 to 9 months

[nosup4u]

no I have

 2 cap 1 one secured and 1 quicksilver

Discover 

2 credit one 

AODFCU

Penfed

Sdfcu secured 

DCU

Menards Cap 1 

Academy Bank secured 

Wells Fargo Secured 

Eddie bauer 

Victoria Secret 

Overstock 

Target 

Nebraska Furniture Mart

[ccquest]

Go for soft pull CLIs first, then car, then make your other moves from there.

If any of those are Consumer Finance Accounts and not credit cards, probably doing you some level of harm you weren't expecting when you opened them either.

[Citylights18]

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@nosup4u wrote:

Ok need some advice here I'm paying down all debt besides car loan going down to below 9% agg on equifax only 

Im in with these cu's and scores will be around 690 with 2 baddies 1 for JP chase falling off in 6 months and 1 for old mortgage account back in 2015

Penfed have the PCR with them going to ask for cli 

DCU have CC asking for increase 

Langley no products

RBFCU no products (TU score check at least at membership )

DIscover asking for CLI 

AOD asking for CLI and PLOC or just the PLOC 

CAFCU already spoke with rep that says I'm approved for 10k card but they use TU and its my worse score right now 

My question is which should I apply for first or should I shot gun all apps 

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All of the banks I've talked to in my PLOC spree pretty much are like will extend you X amount of credit either on a CC or in the PLOC. You may as well ask for both the CC and PLOC as a combined HP with the chances they might give you a little more across 2 products that can be combined.

Discover is auto CLI so I'd stick with that. I try it once a month after my new TU score rolls in.

HPs doen't hurt you as much as adding new tradelines do. They instantly lower your AoA and you get also dinged for having a new account. That is why I'm sitting on 3-4 offers for new credit at the moment to see where I can get the best bang for my buck.