I have been denied by Care Credit in the past, so I'm gun shy. Of course this was 3 years ago and my ficos were 150 points lower.......
Anyway, I have two new accounts this month:
Discover More-$1500cl
HSBC Disc.-closed immediately (hated the terms)
I also have two major changes that are about to occur.
1. I have a new Amex that will be posting soon, but it should come with 7 years of history (thanks to the awesome policy)!
2. I have combined 2 HSBC cards into one. The credit limits will be combined, but it will close the other account.
The two new accounts have posted last week, and my equifax didn't really change. Then today I get a score watch update that my score went down by 17pts to 688. The alert says I have an 7 year old CO in dispute(just came off the other reports) and a 7 year old medical debt.....Anyone know why my score would drop 17 pts?
My catch 22 I have to book the appt now but I have to have the money (care credit) for it, but now I don't know if my scores are good enough?
I need to get approved for $15,000....
The hardest part is waiting!! I'm an instant gratification girl!!!
06/24/2008: TU 708, EQ 705, EX 712
06/09/2008: TU 699, EQ 688, EX 712