Probability of getting approved for high credit limit

[Anonymous]

Hey guys new here, im looking to get approved for 30k in credit limits in the next few weeks.

my limits now are around 16k with 25% utilization my income is about 60k. and 3 medical collections

how realistic is this given my scores and any suggestions that i can do to increase the probability of getting approve. doesnt have to b e one card could be a few

thanks in advance!

Experian 710

Equifax 640

Transunion 734

[K-in-Boston]

Welcome to the forums.  That can be a tough one to triple your total revolving credit profile overnight, particularly with derogatory information.  If those are FICO 08 scores, it appears that EQ may be hit hardest; are the derogs only showing on EQ perhaps?

If you are eligible for Navy Federal Credit Union membership, they can be quite generous with less than stellar credit.  No one can really tell you what you might be approved for with any lender.  I've received $25,000 starting credit lines and $2500 starting credit lines with lenders that often approve people for much more or much less.

Are there particular types of cards you are looking for?  No-frills low-APR and balance transfer, cash rewards, travel rewards, store cards?

[Anonymous]

Equifax hasnt reported some of my card and does have an additional collection which is most likely why its the lowest.

Preferably cards with 0% intro apr 

im going rto be added as authorized user for 3 card to increase my chances

1. cap 1 8 year old 8k limit

2. navy federal $15k 5 yr old 

3 amex with $25,800

im hoping its enough to get to 750 with these lines im also disputing the collections. Does this seem even remotely plausible?

[AllZero]

Your EX and TU look decent. Dress up your credit report the best you can before an application. Look into AZEO All Zero Except One card reporting a small balance e.g. $10. It'll give you a score boost.

I'd recommend staying away from any EQ pullers.

[K-in-Boston]

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@Anonymous wrote:

Equifax hasnt reported some of my card and does have an additional collection which is most likely why its the lowest.

Preferably cards with 0% intro apr 

im going rto be added as authorized user for 3 card to increase my chances

1. cap 1 8 year old 8k limit

2. navy federal $15k 5 yr old 

3 amex with $25,800

im hoping its enough to get to 750 with these lines im also disputing the collections. Does this seem even remotely plausible?

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Without knowing your entire credit profile, it would be difficult to even guess what changes adding the AU cards would make.  If the issue was that you had $8,000 of balances on $10,000 of total credit lines and you were adding nearly $60k of AU lines without balances, then certainly you would see a huge FICO 08 score boost all around.  With your TransUnion score, adding older accounts and lowering your utilization may certainly help it above 750.

If you are being added as an AU to a NFCU card, then it's very likely you yourself are eligible for membership.  Keep in mind that many lenders will use their own internal scoring and underwriting standards that may discard any AU cards.

You are disputing the collections because they are not valid?

[Anonymous]

How do I know who pulls from Equifax?

[Anonymous]

What information do you need ?

I have 10 credit cards 10 inquiries and average 2 years and 4 months history

I also recently got approved for chase sapphire proffered last week my experian was 660 and got 12k which got my hopes up

And yes the collections are not mine

[AllZero]

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@Anonymous wrote:
How do I know who pulls from Equifax?

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See the link

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

[PutThatMoneyOnTheTable]

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@K-in-Boston wrote:

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@Anonymous wrote:

Equifax hasnt reported some of my card and does have an additional collection which is most likely why its the lowest.

Preferably cards with 0% intro apr 

im going rto be added as authorized user for 3 card to increase my chances

1. cap 1 8 year old 8k limit

2. navy federal $15k 5 yr old 

3 amex with $25,800

im hoping its enough to get to 750 with these lines im also disputing the collections. Does this seem even remotely plausible?

---

Without knowing your entire credit profile, it would be difficult to even guess what changes adding the AU cards would make.  If the issue was that you had $8,000 of balances on $10,000 of total credit lines and you were adding nearly $60k of AU lines without balances, then certainly you would see a huge FICO 08 score boost all around.  With your TransUnion score, adding older accounts and lowering your utilization may certainly help it above 750.

If you are being added as an AU to a NFCU card, then it's very likely you yourself are eligible for membership.  Keep in mind that many lenders will use their own internal scoring and underwriting standards that may discard any AU cards.

You are disputing the collections because they are not valid?

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If those are the cards that you will be an AU on. you will have AAoA and new account hit for being added to the Amex card. Amex doesn't report the entire history for Aus but only the time they were added.

[Andypanda]

Another factor (i think, still realtivy new to the credit scene compared to many here) is weather yoy income can support such large credit limits