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My scores (according to my fico) have finally climbed since removal of old baddies last month. I only have one 4 yr old medical collection ($150) that I am working on. Utilization is less than 5%, aaoa is highest with exp and lowest with tu. Only 2 inq with eq and exp, 3 with TU. New accounts and "too few accounts" are the negative bullet points. I randomly tried some prequalifiers and don't get the love. Since my DH got the cap 1 love, I am just going to be an AU while I garden. How long does it normally take to start getting some prequalified cards to appear? I expect to hit the 700 mark across the board by the summer.
Looking at the scores in your sig line, I don't think you necessarily need to wait for pre approvals. Who have you tried apping with?
Yes pre quals is not a real determining factor. since you got the bad things removed. your scores are now in the good range to get a couple of cards at least. and garden. as the cards will help your scores go up faster. so even without a prequal. maybe get a cap one card. and try for a second card. then let it go. don't do too much too fast. and your scores will climb fast.
I think the reason I am never prequalified is because I opted out years ago, maybe you did too?
I updated my scores. When I did that earlier, I put it in the private notes section by accident. I thought my scores would be good enough for at least a foot in the door but apparently not. I tried chase (which showed the freedom card a couple weeks ago) and there weren't any offers. Discover and amex had no offers. Cap 1 just gives me the platinum (have the QS). Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.
@Anonymous wrote:I updated my scores. When I did that earlier, I put it in the private notes section by accident. I thought my scores would be good enough for at least a foot in the door but apparently not. I tried chase (which showed the freedom card a couple weeks ago) and there weren't any offers. Discover and amex had no offers. Cap 1 just gives me the platinum (have the QS). Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.
I wouldn't rely on prequalifiers. With those scores, I'd try for a Barcaycard (maybe the Rewards card?) if it interests you, and garden that for a while. You could also try to cold app for a Discover card too. Discover's prequalifier site is useless anyway (it says anyone is preapproved).
@Anonymous wrote:How long does it normally take to start getting some prequalified cards to appear?
It varies but don't rely on prequals.
@Anonymous wrote:Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.
myFICO isn't off. It's certainly possible that these creditors don't use FICO 8 scores though. Again, don't rely on prequals. Apply when your credit is in shape.
With those February scores, I don't see why you're not in with Cap One QS1, Platinum or Barclays Average Credit.
Maybe you don't want those cards?
EDIT: You said, #5, you have the Cap One QS.
@Anonymous wrote:I updated my scores. When I did that earlier, I put it in the private notes section by accident. I thought my scores would be good enough for at least a foot in the door but apparently not. I tried chase (which showed the freedom card a couple weeks ago) and there weren't any offers. Discover and amex had no offers. Cap 1 just gives me the platinum (have the QS). Either myfico scores are off or the scores they are using are off. It is just a little discouraging. I guess I will wait a month or two and try them again.
I had no offers from Amex when I applied and got one.
I checked prequal before applying for AMEX, Chase, and Cap One Venture and didn't have an offer for any of them. I got them all...
I opted out like 7 years ago and just opted back in last August. Not sure if that is a factor or not.
Current Score: EQ 699 TU 719 EX ? as of April-2016