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I guess I have a thin file? Been with Capital One since Sept 2017 and Discover since March 2019, that's all the credit history I have, so is it considered by leanders as just 1 year of credit history? I have very good credit and no baddies and just one inquiry.
How much will that hurt me applying for a good credit card like Chase Freedom, BOA or AMX Blue?
Capital One Card $950 CL
Zero balance no late payments got it Sept 2017
Discovery iT Card $1750 CL
Zero balance no late payments got it March 2019
I only have one inquiry
No deragatory marks
MY CREDIT CARD STATS & HISTORY BELOW
FICO 741
TU 732
EQ 720
I had 1 inquiry a year ago and had a hard pull for a new apartment. My credit score went down about 10 points from the hard pull but it wasn't too much going from 1 pull to 2 pulls
I bank with a regional bank for my business and Capital One 360 for my personal bank. Don't like Capital One credit cards at all, their cheapskates when it comes to CLI, just give $100 increments.
Does AMX use Experian?
Yes.
@Anonymous wrote:I bank with a regional bank for my business and Capital One 360 for my personal bank. Don't like Capital One credit cards at all, their cheapskates when it comes to CLI, just give $100 increments.
You're talking about Capital One starter cards like the Platinum and QS1. These are known to be bucketed. They are much more generous on subsequent cards. They get a lot of flak for this but a lot of lenders will issue larger second cards than CLIs on a current card, people just get annoyed about the inquiry on each bureau.
@Anonymous wrote:Does AMX use Experian?
AMEX is almost exclusively an Experian puller, yes.
Cool, I think Chase relies on TU and EQ
@Anonymous wrote:Cool, I think Chase relies on TU and EQ
Chase uses all three. They normally pull 2 of them. Citi as well.