APP SPREE Question

[Creditaddict]

check some of the pre-qual offers on each site to get a feel.

chase.com

citicards

capitalone

i might apply for blue cash preferred for the 6% grocery and 3% gas

[09Lexie]

The revolving credit cards that were IIB are they reported that way on your cr?

[mongstradamus]

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@Creditaddict wrote:

check some of the pre-qual offers on each site to get a feel.

chase.com

citicards

capitalone

i might apply for blue cash preferred for the 6% grocery and 3% gas

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how accurate are those pre qual offers. I got prequal from discover it and chase freedom. I was thinking of applying for freedom and bcp, but once i pulled my experian credit report today and saw how score has dropped almost had an heart attack. right now i have only one card reporting and my overall util is 3%. I thought once I PIF all my other cc i would be in good shape. Apparently not so it made me very sad. 

[myjourney]

Here is some good info for starting new credit files 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m...

[mongstradamus]

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@myjourney wrote:

Here is some good info for starting new credit files 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m...

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i have done most of the things , the thing that has annoyed me is my experian has the most up to date shot of my credit reports, which is actually reporting an lower utilization then my equifax, but my equifax is over 60 points higher. I just don't understand what else i can do . i am thinking maybe garden for an year or two and maybe will have an chance then. 

[myjourney]

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@mongstradamus wrote:

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@myjourney wrote:

Here is some good info for starting new credit files 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m...

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i have done most of the things , the thing that has annoyed me is my experian has the most up to date shot of my credit reports, which is actually reporting an lower utilization then my equifax, but my equifax is over 60 points higher. I just don't understand what else i can do . i am thinking maybe garden for an year or two and maybe will have an chance then. 

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Do the files have the exact same info?

When was last app and how many INQ's do you have on those 2 files? (EX EQ only)

[mongstradamus]

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@myjourney wrote:

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@mongstradamus wrote:

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@myjourney wrote:

Here is some good info for starting new credit files 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m...

---

i have done most of the things , the thing that has annoyed me is my experian has the most up to date shot of my credit reports, which is actually reporting an lower utilization then my equifax, but my equifax is over 60 points higher. I just don't understand what else i can do . i am thinking maybe garden for an year or two and maybe will have an chance then. 

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Do the files have the exact same info?

When was last app and how many INQ's do you have on those 2 files? (EX EQ only)

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they have mostly the same info exp has two more inq, but experian has the updated util that went down to 3%, equifax has my util at 15% because equifax hasn't updated my wf account yet. my last app was in august. I just can't understand the major discrepncies tho, the last app was an cap one card showed up on all three cra

[myjourney]

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@mongstradamus wrote:

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@myjourney wrote:

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@mongstradamus wrote:

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@myjourney wrote:

Here is some good info for starting new credit files 

http://ficoforums.myfico.com/t5/Credit-Cards/quot-Start-From-Scratch-quot-Credit-Builders-Handbook/m...

---

i have done most of the things , the thing that has annoyed me is my experian has the most up to date shot of my credit reports, which is actually reporting an lower utilization then my equifax, but my equifax is over 60 points higher. I just don't understand what else i can do . i am thinking maybe garden for an year or two and maybe will have an chance then. 

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Do the files have the exact same info?

When was last app and how many INQ's do you have on those 2 files? (EX EQ only)

---

they have mostly the same info exp has two more inq, but experian has the updated util that went down to 3%, equifax has my util at 15% because equifax hasn't updated my wf account yet. my last app was in august. I just can't understand the major discrepncies tho, the last app was an cap one card showed up on all three cra

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I could be wrong but 

Sounds like the differences in the files along with the 2 extra INQ's which i'm guessing are new combined with a new TL reporting and you have been dinged big time.

Time to garden and let time heal ........re-elvaluate in 6 months 

[KeepingScores]

No, it's been over a year since the bankruptcy was filed and it is not showing up in any way on my CR.

[KeepingScores]

Thank you so much for taking the time to give this information.  Myjourney, and everyone, I will let you know how things work out.