What to app for with this profile?

MoreRewards · ‎11-02-2014

Hmmmm ok so barclay's approved you with the collections. Amex even. Good news.

EQ 773 * EX 786 * TU 797

elim · ‎11-02-2014

all mine with paid collection and open fed tax lien.

just hit all the pre-qual sites... best of luck

ak_7vytr0 · ‎11-02-2014

@MoreRewards wrote:
Hmmmm ok so barclay's approved you with the collections. Amex even. Good news.

Twice actually .. once in dec 2013 for the nfl card for 2500 and then in april for the rewards card for 1500... closed the nfl card to make the rewards 4000... and now that card sees almost no use lol.. so far the only ppl to deny me accounts at all is discover and citi.. i did burn discover for about 3000 over 10 years ago ... they havent forgotten

outta the garden.. for a house

br>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k

MyDataMyChoice · ‎11-02-2014

Did you try a Shopping Cart Trick.... Fuel Rewards Mastercard or Sportsmans Guide Visa?

Barclay Banana Republic Store Card - Reconsideration for $200

Amazon/Whole Foods Visa June 2024 $3500 - September 2024 Auto CLI SP CLI to 5K

November 2023 - Home Depot Credit Card SL $500 May 2024 HP CLI to $5,700

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

SDFCU Visa Signature $5000 CLI to 6500 - Auto CLI to 9500

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021 | HP CLI to $5,500

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

Anonymous · ‎11-02-2014

Income will play a decent role here.

Anonymous · ‎11-02-2014

Yeah, Barclays does NOT like seeing new accounts on your reports.

Anonymous · ‎11-02-2014

@Anonymous wrote:
Yeah, Barclays does NOT like seeing new accounts on your reports.

But they DO like to see those new accounts paid in full, if present.. (My recon experience)

MoreRewards · ‎11-03-2014

This is gps news. Going to try & get it sorted before app anymore cards & let his new account get some age but just curious.

When I got Sallie Mae I had new accounts so I'm not convinced they hate new accounts. Maybe if you have to recon they mention it ir YMMV?

EQ 773 * EX 786 * TU 797

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