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First, I can't repeat this enough -- this forum has been amazingly helpful on my credit journey! Thanks everyone!!!
Now about current situation and what I am looking to accomplish - I was hoping to end the year (this means today!) with 1 more revolver/credit card (Don't ask me why now vs. wait 3 more months )
At this point, I am only interested in issuers that use TransUnion (TU) in their decisions
Already have these TU pullers or app in progress:
Recent denials with TU score of around 770:
Other issuers I have researched, based on the information on this forum:
Question--- any other TU-based issuers that one could recommend based on the above?
Thanks in advance!!
TU score is irrelevant because a lot of issuers will do a SP on different CR, and see whatever is it that you dont want them to see.
With that many denials, probably all for the same reason, I think the message is pretty clear.
I understand that you're looking for a card simply to pad your utilization (based on numerous threads), but I don't see it happening for you right now with seven new accounts. Some profiles can handle it, yours is not one of them.
I suggest you put the brakes on and re evaluate your plans
Good luck!
@seattlecredit08 wrote: any other TU-based issuers that one could recommend
BECU Credit Union uses TransUnion to provide a FICO 8 score to cardholders, but I don't know whether or not BECU pulls TransUnion for credit decisions.
@Remedios wrote:TU score is irrelevant because a lot of issuers will do a SP on different CR, and see whatever is it that you dont want them to see.
With that many denials, probably all for the same reason, I think the message is pretty clear.
I understand that you're looking for a card simply to pad your utilization (based on numerous threads), but I don't see it happening for you right now with seven new accounts. Some profiles can handle it, yours is not one of them.
I suggest you put the brakes on and re evaluate your plans
Good luck!
Thanks!!
Actually, there is nothing I don't want for them too see. My existing cards already do SPs on other reports with no issues. It's just that I am carefully saving my Equifax and Experian reports for some other cards (I have several cards from majors that I have already carefully identified that I will be applying for either in Q1 or Q2 of 2019 that pull Equifax/Experian). Also, I am carefully monitoring SPs as well using full Experian and Equifax subscriptions (monitoring TU soft pulls is a bit trickier).
So no other suggestions for TU-pullers besides BECU based on recent experience?
I am willing to be guinue pig and report my experience back.
Thank you!!
Blithely assuming that you're West Coast like I am based on your username: you're mostly stuck to CU's looking for TU pullers and many of those aren't the national open to anyone types (vis a vis I tried hard to get into RBFCU and SSFCU back in the day, sadly my dad who is eligible for both was too busy with his new found love of his life haha).
Don't know what your rationale for another card is, but just going down the list for any card which pulls TU seems borne of a suboptimal reason when it comes to building credit.
Based on OPs threads from this and last week, he wants several $10k or higher SL cards (from known only TU pullers) to pad his utilization while he carries balance.
@Remedios wrote:Based on OPs threads from this and last week, he wants several $10k or higher SL cards (from known only TU pullers) to pad his utilization while he carries balance.
With a 770 FICO 8 I'd suggest that's pretty irrelevant .
@Remedios wrote:Based on OPs threads from this and last week, he wants several $10k or higher SL cards (from known only TU pullers) to pad his utilization while he carries balance.
I can definitely see how my other posts / questions would lead one to think that this is my goal.
However, at this point, I am certaianly not looking to carry balances and I plan on continuing to PIF every month for a forseable future (to clarify, some of my other questions in other posts were really based more on the curiosity as I am very intrigued by the amazing accomplishments of building massive TCLs by some of the legeds on this board....)
So that was not it... I was just trying to close out the year with 1 more strong card approval without putting anything on my Experian or Equifax, which I am preserving for some big moves in 2019.
In any case, time is almost up so I may just have to call it a day or, should I say, call it a year and just re-group next year.
Happy New Year, Everyone!!
May it be a Year of BIG new credit lines for those who seek them and a Year of NO new lines for those who... well, for those who are perhaps wiser...
Thanks!!