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Getting ready to apply for Zync; guess my new scores

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rtw
Established Contributor

Re: Getting ready to apply for Zync; guess my new scores

ganymedeaquila, I think most people advise to apply for what you want with Amex because it should only be one hard pull. If I was blacklisted it would have been an automatic denial without the hp. Not sure that I would apply that strategy with other cards but I defer to more seasoned members of the forum.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 11 of 14
Anonymous
Not applicable

Re: Getting ready to apply for Zync; guess my new scores

Oh you are totally good to apply for the Zync.  I app'd a couple weeks ago with a mid 600 score and 45 percent util.  It's not a hard card to get

Message 12 of 14
webhopper
Moderator Emeritus

Re: Getting ready to apply for Zync; guess my new scores

@ rtw

I would pursue the backdating unless of course your old account was an unpaid CO then I would leave it alone
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 13 of 14
rtw
Established Contributor

Re: Getting ready to apply for Zync; guess my new scores

@ webhopper, it's an unpaid CO from the college years so I am going to leave it alone. Just happy to be given a second chance.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 14 of 14
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