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Need Help Looking for a Loan or Line of Credit

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Need Help Looking for a Loan or Line of Credit

Hello, I'm a first time contributor but I have been on here lurking for years. Thank you to all the contributors, your feedback is soooo valuable. 

 

I am looking to get a loan, line of credit or large credit card. I am trying to get $30K+. I would prefer a loan and credit but will take a line of credit.

 

My scores are:

EX FICO: 761 (1 inquiry)

TU FICO: 697 (6 inquiries)

EQ FICO: 602 Smiley Sad

 

My income is $96K. 

 

Any help would be definitely appreciated. 

 

 

Thanks,

Bill

4 REPLIES 4
Community Leader
Senior Contributor

Re: Need Help Looking for a Loan or Line of Credit


@billbrown4700 wrote:

Hello, I'm a first time contributor but I have been on here lurking for years. Thank you to all the contributors, your feedback is soooo valuable. 

 

I am looking to get a loan, line of credit or large credit card. I am trying to get $30K+. I would prefer a loan and credit but will take a line of credit.

 

My scores are:

EX FICO: 761 (1 inquiry)

TU FICO: 697 (6 inquiries)

EQ FICO: 602 Smiley Sad

 

My income is $96K. 

 

Any help would be definitely appreciated. 

 

 

Thanks,

Bill


Hi there and welcome to myFICO

 

We need some more info because a $30K CL is huge!

 

What’s going on with EQ and TU? Are there baddies on your CRs? If yes, what are they?

 

What’s AAOA, AoOa and AoYA?

 

What other CCs are in your possession and what are their CLs?

 

What are individual and aggregate UT?

 

IMHO, taking a shot in the dark, I think the EQ and TU scores are going to be a deterrent for a $30K loan or CC. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 2 of 5
Super Contributor

Re: Need Help Looking for a Loan or Line of Credit


@CreditInspired wrote:

@billbrown4700 wrote:

Hello, I'm a first time contributor but I have been on here lurking for years. Thank you to all the contributors, your feedback is soooo valuable. 

 

I am looking to get a loan, line of credit or large credit card. I am trying to get $30K+. I would prefer a loan and credit but will take a line of credit.

 

My scores are:

EX FICO: 761 (1 inquiry)

TU FICO: 697 (6 inquiries)

EQ FICO: 602 Smiley Sad

 

My income is $96K. 

 

Any help would be definitely appreciated. 

 

 

Thanks,

Bill


Hi there and welcome to myFICO

 

We need some more info because a $30K CL is huge!

 

What’s going on with EQ and TU? Are there baddies on your CRs? If yes, what are they?

 

What’s AAOA, AoOa and AoYA?

 

What other CCs are in your possession and what are their CLs?

 

What are individual and aggregate UT?

 

IMHO, taking a shot in the dark, I think the EQ and TU scores are going to be a deterrent for a $30K loan or CC. 


+1 Agreed. We need a lot more information.


Total revolving limits 730000 (603500 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 3 of 5
Frequent Contributor

Re: Need Help Looking for a Loan or Line of Credit

Did you make someone mad at EQ? They must have a baddie the others arent holding onto. 602-761 is quite the spread. The easy answer would be to focus on a EX only puller, however there's a reason for the 602 which may complicate matters for many double pullers. 0 INQs on EQ? Is that by design?






~ This is Chess... It ain't Checkers!!! ~
Message 4 of 5
Regular Contributor

Re: Need Help Looking for a Loan or Line of Credit

Based on your cards listed, you have an Amex Card. Amex currently has a personal Loan feature, check to see if you qualifiy. It shows I'm qualified for $15k, who knows you might be qualified for more YMMV. 

 

Also, Amex pulls from Ex, so you might luck out on that low/multiple inq for EQ.

GL

Amex Blue Cash $20k
Chase FU $9.2k
BOA Cash Rewards $7k
Comenity BJ's Perks Plus M/C $8k
Cap1 QS $750 (AU), BOA Auto
Oct. 2019 TU 820, EX 820, EQ 797
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 5 of 5
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