Need Help Looking for a Loan or Line of Credit

[Anonymous]

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

My income is $96K. 

Any help would be definitely appreciated. 

Thanks,

Bill

[CreditInspired]

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@Anonymous 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

My income is $96K. 

Any help would be definitely appreciated. 

Thanks,

Bill

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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. 

[SouthJamaica]

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@CreditInspired wrote:

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@Anonymous 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

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. 

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+1 Agreed. We need a lot more information.

[Anonymous]

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?

[PutThatMoneyOnTheTable]

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