Want to apply for 3 cards the same time, please advice!

[Anonymous]

I would try to remove that recent 30 day late on your TU report before applying to Barclays and even Cap1.  Penfed you should be fine.

[Anonymous]

Thank you so much, you really helping me to finalizing my decision. Just one more thing is there a way I can clean that inquires after opening the cards? And if it’s possible please advice

[Remedios]

You've picked three lenders that happen to be very sensitive to credit seeking.
You're free to try, but cap one does three HPs, Barclay will SP another CRA in addition to the one they HP.
Not sure on Penfed.

The order in which you do this is almost irrelevant these days, because there will be SPs even past the approval.
I'd pick one or two, and garden for a while after that, or go with lenders who may not be as bothered by app sprees.

[Anonymous]

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@Anonymous wrote:
Thank you so much, you really helping me to finalizing my decision. Just one more thing is there a way I can clean that inquires after opening the cards? And if it’s possible please advice

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No, they stick around for a while.  HPs are scorable for 1 year and report for 2 years. That's the way the cookie crumbles.

[Anonymous]

That’s the toughest part.... I really stuck with that how to fight with them, Citibank ignored my mails, they sent me the mail with statements that all looks correct, consequently, TU sent me the same way letter that all looks ok and no error in my account. But the true is that Equifax and Experian are clear w/ 100% payment history.
Please advice...

[Anonymous]

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@Anonymous wrote:
That’s the toughest part.... I really stuck with that how to fight with them, Citibank ignored my mails, they sent me the mail with statements that all looks correct, consequently, TU sent me the same way letter that all looks ok and no error in my account. But the true is that Equifax and Experian are clear w/ 100% payment history.
Please advice...

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To follow up on my previous post.....Barclays is going to pull TU without question.  Cap1 will pull all 3.  Penfed will pull EQ.  So 2 of the 3 lenders are guaranteed to see the negative but I'm not sure if Penfed will SP TU or not.

[Anonymous]

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@Anonymous wrote:
That’s the toughest part.... I really stuck with that how to fight with them, Citibank ignored my mails, they sent me the mail with statements that all looks correct, consequently, TU sent me the same way letter that all looks ok and no error in my account. But the true is that Equifax and Experian are clear w/ 100% payment history.
Please advice...

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I would start a thread specific to this (or many you have) in the Rebuilding subforum.  You get more people with the required knowledge looking at your post than you will with this one buried down in this thread.

[Remedios]

If you mess with HPs, your chance of getting slapped with fraud alerts is pretty good.
Besides, HP is not where the "damage" is, albeit temporarily one.
It's the new accounts that lenders will look at when leaning towards "no credit soup for you"

[Anonymous]

Thank you so much, probably I will start with Pended and finish with barclay, I will leave capital one for later... and one more question how to monitor all those inquiries real time, should I use the credit bureous services? And if yes which is better? I know Experian has $24.99 , pls advice.

[Anonymous]

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@Anonymous wrote:
Thank you so much, probably I will start with Pended and finish with barclay, I will leave capital one for later... and one more question how to monitor all those inquiries real time, should I use the credit bureous services? And if yes which is better? I know Experian has $24.99 , pls advice.

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Free apps like Credit Karma are pretty decent for stuff like this.