I want to apply for a credit card but I'm afraid of being declined. Do any of you know if this will be a hard pull report when I apply? For instance I was about to finance tires with good year and they declined. That was about a month ago, my credit standing when I started 10 months ago was pretty horrid I was mid 400's. Not a long credit history and I have 1 or 2 charge offs on my report which I paid for, working on gw's. I'm at (666, 658,671 with exp, equ, tran consecutively). What do I do?
Starting FAKO Score 10/2012: EXP 403, EQU 457, TU 472
In most cases an application of credit will result in a hp. To better assist you, can you detail your credit profile? Baddies? Inq's? Cc's? Income?
Applying for new credit will typically result in an hard inquiry. I don't know what tradelines you already have or how many inq's are on your report but if you want a CC w/o a HP, you can look into the shopping cart trick for store cards. There are many posts on that here - just do a simple search of the forum and many relevant posts will come up.
@09Lexie wrote:
In most cases an application of credit will result in a hp. To better assist you, can you detail your credit profile? Baddies? Inq's? Cc's? Income?
Getting the magnifying glass, and handcuffs ready for another jumper?
Yeah, Below is the information for them. I'm working on a GW with Gecrb also decided I will settle since it is now double what I owed. I only have one credit card, A secured credit card from 53 bank. Also, paying for a car, installment loan that's all plus my student loans.
| Fifth Third Bank | 10/2012 | $58 | This is an account in good standing | No | Details | |
| 1/2008 | $0 | Account legally paid in full for less than the full balance |  | Details | |
 Gecrb/Paypal Smart Con | 5/2008 | $0 | Unpaid balance reported as a loss by credit grantor | | Details | |
 Fed Loan Serv | 5142XXXXXXXXXXXXX | 2/2011 | $3,472 | Current account/was delinquent 120 days past due date | No | Details |
| Fed Loan Serv | 5142XXXXXXXXXXXXX | 2/2011 | $2,135 | Current account/was delinquent 120 days past due date | No | Details |
 Westlake Financial Svc | 10/2012 | $11,107 | This is an account in good standing | No |
Also, 6 inquiries within the past year. 5 of which will no longer count after november 5th from what I read? But will stay on for 2 years.
| June 24, 2013 | Gdyr/Cbna |
| November 05, 2012 | Nowcom/Westlake Financ |
| October 29, 2012 | Credit Acceptance |
| October 01, 2012 | Capital One Auto Fin |
| October 01, 2012 | Nccinc/Coggin Honda Or |
| September 26, 2012 | Carmax |
I would refrain from app,gin until the GW letters have been exhausted. You could try another secured card. SDFCU has one that does not use a hp -right now, your baddies are aging off and that's good. adding another secured card and managing it well can be beneficial.