@1Health wrote:@Anonymous @Anonymous I'm new to this so i don't know how you do teh "1heath wrote" margin box thingy but i should have known i was going to get denied i was being stupid and not being patient. I was looking around at the forms and seeing everybody sying get the zync with little credit history..
But anyway my file is those scores and no credit history except installment loans.
Approved for C1 card last month so it hasn't reported yet.
And i also have Tons of old inquries that will be dropping off of my account this 2013.
HP #'s EQ #5 TU #19 EX #2 (When i applied) and only C1 was recent in 2012 all rest 2011
So can i have any advice on when to apply exactly for this card so i can get my foot in the door with them early? Should i get there Pre Paid card?
Like what should my score be? my credit history length? and # of Inquries?
Thanks i should have never applied
They are going to send you a denial letter that will literally tell you what they want your particular credit file to look like, the next time you apply for that card.
Yes there all my FICO scores pulled straight from Equifax 3 in 1 every 12months but usally i call them and ask to update and they do for me for free 
i also have prime account for 17.95 a month.
Starting Score: EQ: 651 FICO TU: 615 FICO EX: 629 FAKO (08/06/2012)
@1Health wrote:Yes there all my FICO scores pulled straight from Equifax 3 in 1 every Months but usually i call them and ask to update and they do for me for free
1Health - what you have are FAKO scores and not real FICO scores. Your REAL FICO scores can likely be lower than the FAKO scores you purchased from EQ site.
There are very few places you can obtain real FICO scores from, and this site here, is one of them. You can buy your real TU and EQ score from here. The denial letter you will receive from Amex will contain your real EX score.
I would promptly call and cancel your EQ subscription, and check these out:
My recommendation would be to subscribe to a few services:
1 & 2 - would be SW and TU Quarterly monitoring found within this link http://www.myfico.com/Products/Products.aspx
3 - would be USAA CMS found here https://www.usaa.com/inet/pages/creditcheck_monitoring_main so that when you get SW alerts, you can then log-in to USAA CMS and pull all 3 reports for free to find out what exactly changed.
I have all 3 and couldn't be happier with either of them!
WOW I am Blown AWAY thanks so much!!!!!!!! ONE of the equifax guys told me it was my real FICO score LIAR he is!! Well on Monday I have to call TU/EX/EQ to get all my HP removed Immediately because there are leaking on from my fathers HP on his report!! So when I get them to give me what I want I will then CALL back AND GET A REFUND!! YOU guys are amazing!!! Thanks for all the help!! Without this site I would be lost!!
Also, I have set my eyes on AMEX BLUE CASH, So here my plane and you tell me how it sounds.
Monday get my real FICO scores and get HP REMOVED!! Then Do happy dance and use my C1 credit card (1,500 CL) as I always do daily purchases and etc. Every month for a year!! It should bring my score up significantly I have been reading as long as I keep UTI 3-9% After a year if my score isn't 740 around I will wait until it gets there. Then I will apply I should be making annually 30K and I am a student and will be when I apply. But I don't usually put student down.
HOW DOES THAT SOUND????
@1Health wrote:WOW I am Blown AWAY thanks so much!!!!!!!! ONE of the equifax guys told me it was my real FICO score LIAR he is!! Well on Monday I have to call TU/EX/EQ to get all my HP removed Immediately because there are leaking on from my fathers HP on his report!! So when I get them to give me what I want I will then CALL back AND GET A REFUND!! YOU guys are amazing!!! Thanks for all the help!! Without this site I would be lost!!
Also, I have set my eyes on AMEX BLUE CASH, So here my plane and you tell me how it sounds.
Monday get my real FICO scores and get HP REMOVED!! Then Do happy dance and use my C1 credit card (1,500 CL) as I always do daily purchases and etc. Every month for a year!! It should bring my score up significantly I have been reading as long as I keep UTI 3-9% After a year if my score isn't 740 around I will wait until it gets there. Then I will apply I should be making annually 30K and I am a student and will be when I apply. But I don't usually put student down.
HOW DOES THAT SOUND????
We really need to know what your files look like. 740 is very high. Not unobtainable, but it worries me that you throw around numbers like 740, as if it's something that just happens simply by paying your CC on time every month and keeping util% under 9.
I would also have to say good luck w/ getting HP removed. As many will say; they are next to impossible to have removed. I know I've not had success with them being removed, but who knows, maybe you will.
When you call to cancel the EQ service, they are going to offer you a 50% discount - so do not get sucked into that trap. Just tell them you are going to get service that provides real FICO scores.
Thanks I will be talking to them on Monday!! For sure!! And Yeah I just updated to PREMIER because I thought it would be better and the guy sweet talked me into it.
As of my report it is installment loans from OSU best college sorry Michigan!!... EQ #5 HP TU #20 HP EX #3 HP (Please remember that I did not do any except #1 C1)
Also, as of my scores I will update as soon as I purchase this FICO REAL scores. I am about to do it now but I don't understand the USAA part???
Also, I don't understand I thought that is how you get a 740 score by paying CC every month on time and keeping UTI below 9%?? If not please help me with my ignorance.
@1Health wrote:Thanks I will be talking to them on Monday!! For sure!! And Yeah I just updated to PREMIER because I thought it would be better and the guy sweet talked me into it.
As of my report it is installment loans from OSU
Also, as of my scores I will update as soon as I purchase this FICO REAL scores. I am about to do it now but I don't understand the USAA part???
Also, I don't understand I thought that is how you get a 740 score by paying CC every month on time and keeping UTI below 9%?? If not please help me with my ignorance.
By having the USAA CMS you will have the ability to pull all 3 CRs each day for free. This way, when you recieve a Score Watch (SW) Alert, you can pull your 3 CRs from USAA, and see exactly what changed, that caused either a score increase or decrease.
USAA also provides scores, but they are also FAKO scores, so do not pay them any attention. You just want to be able to pull all 3 CRs x1/day for free.
Also, and this will need to be answered by a more veteran FICO member, but FICO likes to see a mix of credit (CCs, Loans, Mortgage, etc..) used in your file along with few INQs, and high AAoA (Average age of account), and just not a single CC with good payment history, to get you to a FICO score of 700+
Okay I am happy I am at lease getting the right information now!! But okay so could you advise me with a plan of action so that I can get a 700's. Currently I have C1 Secured Mastercard which I have heard ( idk what is right anymore) doesn't report as secured so that it will help score I guess. That's it and some installment loans..
So what should I do exactly as a plane of action to get atlease high enough to apply for Chase Freedom And American Express Blue Cash. ?????
Tried to Apply but got Authentication page (B/C my name isn't right one here I put my middle name in my first name because I thought there was no middle name spot but turned out there is after you actually sign up fully) So on Monday I have to now call them also So my scores will reflect in my Signature as soon as I get them. I will probably cry my eyes out at how low they are ..
I Just need like what card to apply for next and how long to Garden ( I think that is the right context) to be able to get those cards above AMEX preferred over Chase.
I apologize as I'm having trouble following this thread this morning 
My understanding is you have a few accounts currently:
- Capital One Secured
- N x student loans
Also you have a slew of inquiries on TU.
So a few questions:
1) When was the Capital One card opened?
2) What were all the inquiries for?
3) Any other positives? (Car loan perhaps?)
4) Any negatives, at all?
FICO is time-dependent, it's one of the few examples in the current economy which is a diametric opposite of instant gratification. Getting to a 740 is mostly about establishing a few tradelines, waiting (gardening in forum speak), and never being late or outright missing a payment, ever. Or if you do, it's even a longer wait in the penalty box to build or rebuild to that score.
Also, lenders still cut breaks for students, why would you not claim being one if you are? The lender's going to figure it out anyway with your recent student loans, unless you want them to make the assumption you flunked out . (note: there's plenty of good reasons to leave school, and I didn't finish any of the 3 times I've been at a university so I'm not trying to be offensive here)
Anyway, the more accurate and forthcoming you can be regarding the questions above, the better someone will be able to assess your situation and give you what might be a 2-3 year plan to obtain the cards you want... and it's probably nowhere close to that long for a Freedom approval at any rate, BCP is in a different strata.
