cancel
Showing results for 
Search instead for 
Did you mean: 

Here I go

tag
red259
Super Contributor

Here I go

Ok. Since I had three inqs from 1/2/14 that should have dropped off my report by now (I have two inqs in past year and none in past six months) I am ready to pull the trigger on the following cards in this order (please advise if I should switch the order around but its in order of priority of cards I want at the moment:

1. Barclays Arrival plus

2. Amex everyday

3. citi hilton hhones

4. Chase hyatt

 

I'm a bit concerned since all these lenders seem to pull experian. Any thoughts would be appreciated. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 1 of 55
54 REPLIES 54
gdale6
Moderator Emeritus

Re: Here I go

Barclays is typically a TU puller though some report that they do pull EX, I would check CreditPulls or Who Gave Me Credit to get an idea on this for your state. Good luck Smiley Happy

Message 2 of 55
CreditCuriosity
Moderator Emeritus

Re: Here I go

Weekend and no Recon.. Might be sitting a few days on decisions for a few of thoseSmiley Happy.. I don't app on weekends anymoreSmiley Happy

Message 3 of 55
CreditCuriosity
Moderator Emeritus

Re: Here I go

Also I would switch 2 and 3 so Citi before Amex as citi is more inquiry sensitive and might pull EX as you know Amex will pull experian and they aren't inquiry sensitive... Other then that I think the order is perfect

Message 4 of 55
Anonymous
Not applicable

Re: Here I go

Citi, Barclays, AMEX, Chase.
Message 5 of 55
red259
Super Contributor

Re: Here I go


@Anonymous wrote:
Citi, Barclays, AMEX, Chase.

Should citi still go first if I already have a citi account in good standing, but no barclays account? 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 6 of 55
Anonymous
Not applicable

Re: Here I go

Okay Barclays first then.
Message 7 of 55
red259
Super Contributor

Re: Here I go


@CreditCuriousity wrote:

Weekend and no Recon.. Might be sitting a few days on decisions for a few of thoseSmiley Happy.. I don't app on weekends anymoreSmiley Happy


Is there any downside other than having to wait until Monday to call in? I was thinking about starting my apps and going one by one. If someting isn't an instant approval then I will just stop until I can call in and then I would follow up with other apps once I got an answer back. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 8 of 55
CreditCuriosity
Moderator Emeritus

Re: Here I go


@Anonymous wrote:
Okay Barclays first then.

I win

Message 9 of 55
Anonymous
Not applicable

Re: Here I go

Shush.
Message 10 of 55
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.