@Anonymous wrote:
My Fico 8 on transunion show 690 no derogatory mark or late payments, to pull all 3 bureau for fico 8 which site is best to pull from? I see a $39.99 fee to pull all 3 fico scores
Experian, use the seven day trial and pull all three, make sure to cancel before they charge you.
as of 1/1/23
First off welcome to the forums, there are a lot of really smart folks here who can help point you in the right direction.
Typically trying to apply for multiple cards at the same time in a short period of time is going to be frowned upon and even more so during this current economic situation. Even if you get approved for two cards at the same time from the same lender it is possible one of the cards could be cancelled before you even get it.
I know you didn't ask for an opinion on how to handle the debt, but I don't know that getting anymore credit cards is going to be right approach here. If my math is correct 40% util against your current lines is about ~30k, with your scores don't foresee you being able to get a BT card with that big of a limit so applying for more credit is only going to bring your score down lower.
Now your score isn't terrible, if the goal is consolation you may be able to get a lower interest loan and work on the debt that way. Getting more revolving lines doesn't seem like the best move, IMHO.
When I applied for my 2 Chase cards on the same day last year, they only did a HP for the first card (but it pulled 2 different CRAs). The second card was a "freebie".
That said, I don't recommend applying for 2 Chase cards in the same day. 90 days is the minimum amount of time you should wait between chase apps, to reduce your chances of getting red-flagged.
Total Loan Balance: $43k / $65k
Total SL: $78k
@coldfusion wrote:
@coreysw12 wrote:When I applied for my 2 Chase cards on the same day last year, they only did a HP for the first card (but it pulled 2 different CRAs). The second card was a "freebie".
That said, I don't recommend applying for 2 Chase cards in the same day. 90 days is the minimum amount of time you should wait between chase apps, to reduce your chances of getting red-flagged.
Chase still has not completely closed the loophole allowing an applicant to apply and be approved for 2 cards on the same day but they have tightened up considerably on reviewing approvals after the fact and current policy is to close the 2nd card, usually 3-4 weeks after the initial approvals. So yes, applying for multiple Chase cards on the same day is definitely not recommended.
Indeed, and not going to lie, I lost a LOT of sleep during those 3-4 weeks after the approvals 
The only reason I applied for both on the same day was because I didn't know about the risks at the time. If I knew then what I know now, I never would've submitted that second app. In hindsight, I'm glad I did and I got lucky, but if I had to do it all over I wouldn't take the same risk again.