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Finally seems like I may be in a good spot with credit.
TU just broke 760
Other 2 are over 700
Just got approved for my first car by myself with no co-signer through Toyota Financial, they only had to run it 1 time instead of 30 lol
$45,000 at 5% for 6 years
Lowes - $12,000
Navy Amex - $4,000
Academy - $300
CareCredit - $5,400
Cap1 QS - $500
Cap1 Secured - $500
MissionLane - $400
Navy SSL paid off next year
1% UTI
TON of inquiries
1 collection on EX and EQ TU is clean
What would be my next steps to getting that AMEX, boat loan or personal loan approvals?
Discover pre approval says RECENTLY OPENED BANK REVOLVING TRADES
Amex I've never been able to prequalify
Navy WILL NOT give me more than $4,000 or a new card (been with them over a year)
Navy WILL NOT even give me $1,000 loan for anything.
AppleCard says unable to read ID no matter how many pictures I take.
Do i garden for like a year or what's some good advice?
Thanks
Have you tried Discover pre approval site? BB&T also has a pre approval site. I would stick with sites like those that do not hard pull for approval. Or you may want to garden since you have a ton of inquiries.
@Morphyyy wrote:Finally seems like I may be in a good spot with credit.
TU just broke 760
Other 2 are over 700
Just got approved for my first car by myself with no co-signer through Toyota Financial, they only had to run it 1 time instead of 30 lol
$45,000 at 5% for 6 years
Lowes - $12,000
Navy Amex - $4,000
Academy - $300
CareCredit - $5,400
Cap1 QS - $500
Cap1 Secured - $500
MissionLane - $400
Navy SSL paid off next year
1% UTI
TON of inquiries
1 collection on EX and EQ TU is clean
What would be my next steps to getting that AMEX, boat loan or personal loan approvals?
Discover pre approval says RECENTLY OPENED BANK REVOLVING TRADES
Amex I've never been able to prequalify
Navy WILL NOT give me more than $4,000 or a new card (been with them over a year)
Navy WILL NOT even give me $1,000 loan for anything.
AppleCard says unable to read ID no matter how many pictures I take.
Do i garden for like a year or what's some good advice?
Thanks
How many inquiries do you have by bureau in the last 6 months, and the last 12 months? How old is your collection and is it paid or unpaid? And how old are your cards? These may be the factors holding you back.
27 TU in last year
11 are car dealership at same time
11 EQ last year
7 are car dealership at same time
unpaid collection almost 7 years old
Ok, my thought would be to garden. The auto inquiries, if coded correctly, are deduplicated so they only affect your scores as if they're one inquiry, but a lender can still see all of them and may not know you were auto rate-shopping. If you've tried to recon with no success, then the garden is it. You have several accounts, all of which are very young in credit years, and a big pile of HPs. This is likely being seen as a young profile that's heavily credit-seeking. Time fixes that. Maintain your good habits with managing your accounts, don't app for anything, and let those pulls age, and you should see success in six months to a year.
@Morphyyy wrote:27 TU in last year
11 are car dealership at same time
11 EQ last year
7 are car dealership at same time
unpaid collection almost 7 years old
Capital One Bank Usa 1 yr, 6 mosCapital One Bank Usa 1 yrMission Lane Tab Ban 1 yrNavy Federal Cu 11 mosSyncb/lowes 8 mosComenitycapital/acad 5 mosSyncb/care Credit 1 mo
What are your short term and long term goals? It's hard to give advice without knowing what you're trying to achieve. Taking a look at the above, you have plenty of new accounts, so I definitely recommend gardening. I would let your trigger finger cool off and let your inquiries age for at least a year.
Discover said I was seeking too much credit on their pre-approval. I had 2/2/4 HP.