So here's the story. I have been gardening for about six-eight months now, just to improve my odds of being approved for a Sallie Mae MC. I was denied in late august and the again earlier this month for apping to recently. I was automatically denied by Barclay's system and a hard pull was not done in my report because my apps were to close to one another. However, i was given the option to app over the phone and have it pushed through by one of their credit analysis. I declined politely, as i had paid off some balances so i thought it would be more beneficial to just wait until my pif reported. Fast foward to today, and my balances have reported (i am guessing it was today because FICO 08 from discover bumped up 13pts and CK shows my utl at 4% rather then the 8% that was reporting last month). Here's my question for yall, since paying off some balances i have received a couple sp clis, one being from amex and the other being from cap1, should i wait until by new cls report or just pull the trigger as my Discover FICO is at 738? CK and a similar site are reporting a single inquiry on my TU but i pulled it earlier this week and i think there is a total of 3 "regular" inquiries.
