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I need to add a credit card that reports to all bureaus, but don't want HP. Was looking at Open Sky because it seems like a sure approval.
I've read of problems with purchases taking a while to post, as well as the payments.
I would like something that I'm able to post my payment online and it's almost immediate. Can't chance having a payment post late from Open Sky.
I have seen the thread with a list of credit cards that was from a few years ago. Just wondered if anyone else had any suggestions. Need to make a move soon.
Thanks
Are you simply looking for a card issued with no hard inquiry in case you are denied? If approved for a new card, the impact of having a new account reporting is typically far more detrimental to scoring and credit-seeking algorithms than inquiries. Depending on one's profile, a single inquiry can more or less be a non-event.
@cedric_86 wrote:I need to add a credit card that reports to all bureaus, but don't want HP. Was looking at Open Sky because it seems like a sure approval.
I've read of problems with purchases taking a while to post, as well as the payments.
I would like something that I'm able to post my payment online and it's almost immediate. Can't chance having a payment post late from Open Sky.
I have seen the thread with a list of credit cards that was from a few years ago. Just wondered if anyone else had any suggestions. Need to make a move soon.
Thanks
That's a great question!
Can you help us understand what your current credit profile looks like (scores, bads, inqs, etc) so we can help make a suggestion?
I second what K said about an HP being nearly a non-event to most profiles, so if you can help us understand what other goals you may have here, that would help.
Here is parts from another post I made.
Have gotten some medical bills deleted.
Recently opened SSL with my credit union for $500
Was thinking of trying Discover (pre-qual) and if denied would try Open Sky.
Current FICO 8 scores: EQ: 589 | TU: 583 | EX: 584 (Using MyFico Advanced, under other scores for mortgage lending these show mid 600s) not sure how true that is.
Adverse Accts:
Satisfactory Accounts
Lowes- Opened 8/2005; Closed 11/11
Fingerhut - Opened 5/2014; limit $1500; bal $56
Credit Union SSL - Opened 6/1 for $500; reporting as undesignated
about 6 hard inquiries from 2018 and the 1 from this year.
I'm working to boosting score to apply for a mortgage soon.
I don't want to waste a hardpull to be denied.
If you are applying for a mortgage soon, I would advise against applying for any new credit period. If the mortgage process is a year or more out, a HP would have no impact on scoring whatsoever.
Yes. That's typical. I have already talked to a couple of lenders that said it would be ok, because at this point the scores are at a standstill.
I'm just looking for an alternative to Open Sky, but would prefer no HP to drop the score any further.