Spend $1 at CreditCheckTotal.com and get your FICO 8 scores from the three major credit bureaus. Trying to figure out chances of approval based on Vantage 3.0 scores from Credit Karma is just guess work. Get your real scores then cancel the trial subscription before the monthly fee begins after the 10 day trial.
Don't apply for anything until the credit bureaus update your payment information and your reported utilization is lowered.
Set up Autopay on your current cards to at least pay the minimum amount due on the due date. There's no reason for late payments when managing only two credit cards
@Anonymous wrote:
Hello all!
I feel like I’ve been a member for so long because I’ve been on this board for about 3 months doing a lot of credit research.
Let me jump right in.
I’m 24. I got my first CC when I was 20. I lost it, paid it off and closed it. (Now I wish I would have kept it open)
On my credit report:
No derogs at all.
Mortgage (bought my first house a year ago) 1.3 years old.
Car note (1.7) years old. (Would have been 4 years however, I refinanced)
Energy bill (1.3 years old)
Credit one CC $450 limit
Capital one CC $300 limit
I have one 30 day late payment from Aug 2017 and one 30 day from Nov 2017
I currently only use credit karma to check my scores. My TU from CK is 704 while my EQ is 656
What are my chances of getting approved for an AMEX BCE or Discover IT card?
My current UTI is 42% however, I made payments and when the credit bureaus report this month I should be at 13% UTI, which should make my scores go up again.
Should I wait until August to apply? To ensure my score go up again and the one late payment becomes a year old.
