TL;DR: With a 740 TU FICO 8 score & zero inqs, what should I get that has a strong SL, 0% BT intro, and pulls TU only for the app?
My DP's
• 12/16 F8 scores: TU 740 | EX 730 | EQ 666
• $16.5k revolving balances
• 28.9% reported overall util
• AAOA 3 yrs 5 months
• $11k Car loan 74.55% paid off ($2800 left)
• 1 HP EX | 0 HPs for TU/EQ
I took my first HP in over 2 years today with EX on a Disco app. I have an extended fraud alert on EQ that will take 7-10 business days to get removed by snail mail. I don't mind taking one HP on TU for a good card, then may go back to the garden for a year.
Goal: up my aggregate CL to lower my aggregate util
Overall util: 28.9% reporting | 16.25% after today's CLI's & new SL's
I have around $16.5k in balances I would like to sweep into 0% BT cards. Today I picked up a Amex Cash Magnet with (I think) 15 month 0% BT, and a Disco IT CB with 14 month 0% BT. I'd be interested in something similar, maybe without an AF.
Thanks!
How about US bank? Not sure which product would fit you.
Try their pre-quals website.
Navy Federal would be a good one, if you have a way in.
Try their pre-quals website.
Navy Federal would be a good one, if you have a way in.
I'll c
@Gmood1 wrote:
How about US bank? Not sure which product would fit you.
Try their pre-quals website.
Navy Federal would be a good one, if you have a way in.
Thanks, I'll check out US bank. I have a DD214 with super short service record, and put up a post about getting into NFCU.
https://ficoforums.myfico.com/t5/Personal-Finance/NFCU-eligibility-my-scenario/m-p/5428332#M41102
Might be time to do join NFCU if I can get in with them and they pull TU only for a new CC.
Big thanks!
If its a Honorable discharge, it doesn't matter. You should be able to join.
@Gmood1 wrote:
If its a Honorable discharge, it doesn't matter. You should be able to join.
It doesn't say Honorable, it says "Uncharacterized: Failed Medical Procurement Standards." I was advised to reach out to NFCU and ask them if I could get in. I'll reach out and find out.