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@Burned2manybridgesB4 wrote:Uh....
Is anyone going to ask OP what's dragging their scores down?
Showing a bk, judgement, CO, etc etc etc... affects how specific lenders will greet you with open arms, not just 'scored this.'
Uh, thought I disclosed that in my original post. I had a lien that was fully paid in 2011. It's due to come off in 2018
@jd403 wrote:
@Burned2manybridgesB4 wrote:Uh....
Is anyone going to ask OP what's dragging their scores down?
Showing a bk, judgement, CO, etc etc etc... affects how specific lenders will greet you with open arms, not just 'scored this.'
Uh, thought I disclosed that in my original post. I had a lien that was fully paid in 2011. It's due to come off in 2018
Saw the phrase 'no bad debt.'
@jd403 wrote:...gives tme the best chances of being approved? My current FICO 8 scores are TU 686, EX 683, EQ 643.
I have no bad debt, one 30 day late from last year and a paid in full and released lien from 2011. I just bought a house in March and that mortgage loan is already showing on my reports.
I currently have Cap One Pl $2800 CL, Amex Optima $1000 CL and Kohls $700 CL
My first choice would be Cap One Quicksilver or Barclay Rewards.
@jd403 wrote:I contacted Cap One and they upgraded me to the QS w/ 1.5% cash back
Great.
I applied for DiscoverIT and it asked me to upload proof of current address and proof of social security #.
Is this a good sign? I uploaded and the next screen just said
Discover® Card Application |
Here's what's next:
@jd403 wrote:
Applied for Discover IT on Saturday night and was asked to provide proof for address and my SS#. Uploaded that yday and this morning got a call. Answered a couple of questions and was approved for a $6.5k SL.
Was worried about my EQ score but sailed through.
TU 686 EX 683 EQ 643
That's great. That's a higher CL than I have after 1 1/2 years with those characters.