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ok so I'm freaking out now. Just recently cleaned up most of the baddies on my credit....went from 10 collections to 1 paid in full and 2 judgments both vacated and deleted from ex and TU still disputing on eq.
Got 1 cap 1 secure 09/12 and have been good since ... 2 student loans and aaoa 2 1/2 years, 7 inq ex, 4 TU, 5 eq
but for some reason I woke yesterday and snapped out and applied for everything
smh...So nervous that I messed up
here's the results
Applied for
best buy 300*
cap one..Denied....too many inq, pulled eq with that stupid judgment still there
discover 1200*
walmart 500*
citi diamond ?denied- not enough credit, everything just Wrong
citi platinum ?denied - same
amex zync nspsl*
amex blue ...... recon waiting don't think ima get it.....
barclays apple 1200* denial and recon and got approval spoke with lovely young lady....I love that comp
5 approve 4 denied 9 new scattered inq.....
did I commit credit score suicide and trust me I won't apply for anything else but what do I do next ... I mean long term...Future goal CAR LOAN AND MORTGAGE and whats gonna happen to my score
oh yeah new appers my scores currently are
660 tu (fico) 674 eq (fico) 646 ex (ex website score) goal 750 across
@Anonymous wrote:ok so I'm freaking out now. Just recently cleaned up most of the baddies on my credit....went from 10 collections to 1 paid in full and 2 judgments both vacated and deleted from ex and TU still disputing on eq.
Got 1 cap 1 secure 09/12 and have been good since ... 2 student loans and aaoa 2 1/2 years, 7 inq ex, 4 TU, 5 eq
but for some reason I woke yesterday and snapped out and applied for everything
smh...So nervous that I messed up
here's the results
Applied for
best buy 300*
cap one..Denied....too many inq, pulled eq with that stupid judgment still there
discover 1200*
walmart 500*
citi diamond ?denied- not enough credit, everything just Wrong
citi platinum ?denied - same
amex zync nspsl*
amex blue ...... recon waiting don't think ima get it.....
barclays apple 1200* denial and recon and got approval spoke with lovely young lady....I love that comp
5 approve 4 denied 9 new scattered inq.....
did I commit credit score suicide and trust me I won't apply for anything else but what do I do next ... I mean long term...Future goal CAR LOAN AND MORTGAGE and whats gonna happen to my score
oh yeah new appers my scores currently are
660 tu (fico) 674 eq (fico) 646 ex (ex website score) goal 750 across
thanks for the advise... im prob gonna be a little disapointed to see my score drop and I prob wont use much of the new credit at all keeping my fingers crossed so that I can meet my goals in the future .....
what if I decide to not use the best buy and walmart at all will that hurt me? and how long do I need to wait before a car loan ..... thinking maybe 3 -4 months ...is that enough ?
Did you really need 9 new cards the minute things got cleaned up a bit?
I can see floating 1 or 2, but 9?!
If it were me, I would just put a small purchase on the Walmart and Best Buy like once every three months or so and PIF. This will keep the cards active and keep you safe from any AA. I think the cards will help your scores in the long run as long as they are managed properly. Congrats on the approvals! You've got me itching now...ugg
@ drkaje smh .... I don't know what I was thinking .... so sad ... lesson learned
@drkaje wrote:Did you really need 9 new cards the minute things got cleaned up a bit?
I can see floating 1 or 2, but 9?!
thanks ...... NO MORE APPS .... lol..... will do with the utilization on the store cards though.... curious as to how the zync card works though .... never had npsl... does anyone know how that works.
@BrokaToe wrote:If it were me, I would just put a small purchase on the Walmart and Best Buy like once every three months or so and PIF. This will keep the cards active and keep you safe from any AA. I think the cards will help your scores in the long run as long as they are managed properly. Congrats on the approvals! You've got me itching now...ugg
thanks ...... NO MORE APPS .... lol..... will do with the utilization on the store cards though.... curious as to how the zync card works though .... never had npsl... does anyone know how that works.