Going for one more...Opions please

Anonymous · ‎11-23-2008

Recently joined Pen Fed also have Chase Visa and Wamu.Have three store cards..Home Depot,Sears and Best Buy.History over 20 years and util of about 15% and quickly coming down.

I am looking for a pull of either TU or EX as my EQ has a collection from around 5 years ago(as you can see by their score),although Pen Fed did pull EQ and I got $10,000 with an offer for a auto loan of $35,000 around 4.4%.

I was thinking about BOA,any thoughts would be appreciated.

In this crazy financial situation the country is in my thinking is any increase in credit lines is a good thing.

marty56 · ‎11-23-2008

Unless you really need the credit, I would slow down. Your other creditors also check your CRs and if they see new accounts or lots of INQs, they may get spooked and doing something nasty to your CL or interest rates.

1/25/2021: FICO 850 EQ 848 TU 847 EX

spiritcraft1 · ‎11-23-2008

Patelco... EX pull

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Anonymous · ‎11-23-2008

Marty,

Have only 1 inquiry and that is from Pen Fed(recently)..other accounts are all 3 years and beyond.