Preparing for an TU app spree. Need Advice

CreditGuy03 · ‎01-13-2015

My Barclay Carnival just posted at 1% util. My TU score is 699. Zero collections just a chargeoff from 13 months ago.

AAOA 5 years.

I've already applied for a lending club loan and was approved for that but that is a soft pull so I'm good there.

I would like another Barclays card ..Sallie Mae to be exact

What are some other good cards to get that pull transunion? Chase Southwest Visa?

My Eq and Ex are frozen solid.

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019

Anonymous · ‎01-13-2015

Chase did NOT pull TU for my SW Visa, they pulled EX. Of course, YMMV.

Anonymous · ‎01-13-2015

They might pull TU but they will pull another report with it.

CreditGuy03 · ‎01-13-2015

Just found out a local credit union in texas pulls TU exclusively. They also have a line of credit product that I could use

Is it wiser to apply with the CU first before Barclays and Chase?

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019

baller4life · ‎01-13-2015

Who CreditGuy? RBFCU???

Anonymous · ‎01-13-2015

You shouldn't selectively freeze bureaus to force a lender to pull a more favorable one.

That being said. Your charge-off is just TOO recent to expect any instant approvals. I'm not saying that you won't see ANY approvals...But you'd better be ready to explain yourself to credit analysts if you decide to proceed.

CreditGuy03 · ‎01-13-2015

@baller4life wrote:
Who CreditGuy? RBFCU???

YEA RBFCU. I just remembered I had an account with them for two years.

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019

TRC_WA · ‎01-13-2015

@Anonymous wrote:
You shouldn't selectively freeze bureaus to force a lender to pull a more favorable one.

That being said. Your charge-off is just TOO recent to expect any instant approvals. I'm not saying that you won't see ANY approvals...But you'd better be ready to explain yourself to credit analysts if you decide to proceed.

That. ^

A chargeoff from 13 months ago will most likely cause problems...

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Imperfectfuture · ‎01-13-2015

If the charge off is paid, do you want a future relationship with this creditor? Have you tried good willing for removal? Check out the rebuilding forum on how to get that baddie removed. Your scores will be stellar if it is removed. Otherwise, plan on gardening at least 4 years. That could be time well spent getting rid of that bugger.

Why are the other reports frozen? Do you have other baddies?

Signature needs updating

CreditGuy03 · ‎01-13-2015

@Imperfectfuture wrote:
If the charge off is paid, do you want a future relationship with this creditor? Have you tried good willing for removal? Check out the rebuilding forum on how to get that baddie removed. Your scores will be stellar if it is removed. Otherwise, plan on gardening at least 4 years. That could be time well spent getting rid of that bugger.

Why are the other reports frozen? Do you have other baddies?

Whoa this sounds like a copy paste

This thread is not about the chargeoff. That has nothing to do with whom I am applying for.

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019