Balance Transfer Card

Anonymous · ‎10-29-2014

Hello everyone! I've been a long time lurker and finally decided to join the site. I wanted to ask about recommendations regarding balance transfers. Here is my current profile:

10/28/14: From MyFico.

EQ: 704

TU: 706

EX: 667

I only have two Inquiries showing for TU pulled OCT 17, and 19th of this year for T-Mobile and Sychrony Bank and was approved.

I have 4 active CC's , student loans and a mortgage.

No other inquires for EX, EQ

My EX score is low as I had one state loan that was delinquent that I paid current.

However, what scares me is the collection I have with Windham from my university for $914 I am disputing. The collection was filed 4/2013. My goal is one more application for a card will help with balance transfers as my utilization is 32%. Any suggestions would be very much helpful!

Anonymous · ‎10-29-2014

Is the collection on all 3?

Have you tried any prequal sites?

What is your current interest rate?

Anonymous · ‎10-29-2014

Oh and who are your current credit cards?

Desmoire · ‎10-29-2014

@Anonymous wrote:
Oh and who are your current credit cards?

+1

Anonymous · ‎10-29-2014

@Anonymous wrote:
Hello everyone! I've been a long time lurker and finally decided to join the site. I wanted to ask about recommendations regarding balance transfers. Here is my current profile:

10/28/14: From MyFico.

EQ: 704
TU: 706
EX: 667

I only have two Inquiries showing for TU pulled OCT 17, and 19th of this year for T-Mobile and Sychrony Bank and was approved.
I have 4 active CC's , student loans and a mortgage.

No other inquires for EX, EQ
My EX score is low as I had one state loan that was delinquent that I paid current.

However, what scares me is the collection I have with Windham from my university for $914 I am disputing. The collection was filed 4/2013. My goal is one more application for a card will help with balance transfers as my utilization is 32%. Any suggestions would be very much helpful!

That's gonna hurt.

Lotta lenders love pulling EX. :/

Anonymous · ‎10-29-2014

8.5k Cap One Venture (2010) @ 14.5%
2.5k Cap One QS One (2008) @ 14.5%
1k WF Plat. (2008) @ 6.5%
2.3k Sams MC (2014) @ 20.5%

Collection reports on all three CRA'S

Anonymous · ‎10-29-2014

I've tried a couple of prequal sites and have gotten of offers but am not sure what to do as I am scared of too many inquiries

Anonymous · ‎10-29-2014

@Anonymous wrote:
@8.5k Cap One Venture (2010) @ 14.5%
@2.5k Cap One QS One (2008) @ 14.5%
@1k WF Plat. (2008) @ 6.5%
@2.3k Sams MC (2014) @ 20.5%

Collection reports on all three CRA'S

Could try for a Chase Slate for a BT.

You'd need at least a $4,500 limit to BT everything onto it, but I highly advise against maxing out even a BT card.

sccredit · ‎10-29-2014

@Anonymous wrote:
@Anonymous wrote:
@8.5k Cap One Venture (2010) @ 14.5%
@2.5k Cap One QS One (2008) @ 14.5%
@1k WF Plat. (2008) @ 6.5%
@2.3k Sams MC (2014) @ 20.5%

Collection reports on all three CRA'S
Could try for a Chase Slate for a BT.

You'd need at least a $4,500 limit to BT everything onto it, but I highly advise against maxing out even a BT card.

Definitely Slate. If declined you can call the Recon number and explain the issue, i would bet an approval.

Anonymous · ‎10-29-2014

I was thinking of Chase. They preapproved me with Freedom and I do believe Slate. Would you happen to know what bureau they pull? I had disputed that one collection and am waiting to hear the results. If it is removed, TU and EQ will be golden except EX per student loan late pays.