WOOOO!!!! ALL BADDIES GONE !!!! Which cards to apply for ?

[Joeysalaaa]

I did it !! EXPERIAN has removed ALL last collections and baddies due to age off in 6-12 months. Yes, they did remove some very early but I got a Credit attorney who disputed some original dates of delinquency and it worked with their EO. I had records showing different DoD than the bank and I finally won my plight !! My score went from 604 to 759 overnight, and will update by morning as my UTIL will show 1% down from much higher than that as well ! So I am expecting a FICO8 between 759 (what it is now) to high 700s based on FICO Sim. FICO9 is showing 721.

Here are my other stats:

UTIL 1%; Highest CL is not great @ $5000 (new) most are $300 - $1000 (2 years old+)

INQs in last year now at 8 (4 auto refinance, 4 CCs)

AAofA 16 years, Oldest 21 yrs, Newest this month -- 2 current auto loans and 15 current student loans (15 yrs old)

$250+ income (depends if I use my partners income on apps and investments)

NO BADDIES!!!! NONE!!!!

All accounts paid and current 

I am planning to apply w a local CU, but want to know what lenders you all recommend with these scores to get some good lines added to my profile. Any recs for EXP pulls would be so helpful !!! I am trying to get a healthhy line $10k+ which I know may be a challenge with lowish lines right now but I am hopeful w my scores near 800 and stats I can get something good !!

THANK YOU ALL FRIENDS !!!! 

[Vinjints]

Congrats on getting those baddies resolved. Does that take care of all of them across all three bureaus?

[Joeysalaaa]

Experian yes 

Equifax yes 

Tu no lol 

who should I apply for ??? 

[LivingTheAmericanDream]

Congrats! Here's a great list of lenders by credit bureau:

Equifax: https://helpmebuildcredit.com/user-cc-results/?card_id=&sort=&bank=&state=&bureau=Equifax&paged=&qui...

Experian: https://helpmebuildcredit.com/user-cc-results/?card_id=&sort=&bank=&state=&bureau=Experian&paged=&qu... Good luck!

[Patient957]

Congrats!  It's a great feeling.

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@Joeysalaaa wrote:

Experian yes 

Equifax yes 

Tu no lol 

who should I apply for ??? 

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Many banks pull Experian.  Amex, Citi  (usually).

[Joeysalaaa]

Burned Amex years ago that's a no but that's all.

if I do an App Spree today or soon who is most INQ sensitive to avoid ??

[Patient957]

If your auto refi inqs were close in time, part of the same refi, they could be considered as one (deduped), at least by Fico.

What are inqs in the last 6 months? 3 months?

Citi is inq sensitive.  Cap One is a triple pull, so they would see your derogs on TU.  So you might avoid those two, for now.  

[LivingTheAmericanDream]

Citi, Wells, US Bank, Chase, BofA

[Aspireto850]

FANTASTIC!!!! 🎉🎉🎉🎉🎉

[LivingTheAmericanDream]

Pre-Qual Credit Card Sites: https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Qual-Credit-Card-Sites/m-p/6823352#M1886148