Looking for a good 0% intro offer

[MarineVietVet]

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@tntexans72 wrote:

When I apped for my mortgage, I apped within 2wks to be sure it's 1 hard. Why push it for 30 days or 45 days? The problem is...we don't know which lenders uses which updated Fico software so to be sure, 2wks time frame is plenty when apping for a mortgage loan IMHO so the score doesn't get ding.

In OR poster's case, it's spread out over months so it's going to be counted as multiple hard IQ.

I orginally did my homework and basd on what I read, there are mixed comments on this subject matter. But the bottom line for me, I made sure it's within 2wks. I don't want to push the envelope and have multiple IQ. It goes back to the old saying...it's better to be safe than sorry. No pun intended.

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I agree that you'll see diferent opinions and comments concerning this just like most things having to do with credit. 

But this comes from someone much higher up the food chain than I am so it's good enough for me:

This 45 day window applies to the Equifax 5.0 version sold on myFICO and all of the FICO 8 models. It also applies to TU 04. But TU 98 and the EXP v2 (the one we used to sell and the one most widely used) versions have the 14 day window. The 30 day buffer (that people rarely mention) hasn't changed at all, though.

But I fear I have TJ'ed this so this will be my last comment.

[tntexans72]

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@MarineVietVet wrote:

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@tntexans72 wrote:

When I apped for my mortgage, I apped within 2wks to be sure it's 1 hard. Why push it for 30 days or 45 days? The problem is...we don't know which lenders uses which updated Fico software so to be sure, 2wks time frame is plenty when apping for a mortgage loan IMHO so the score doesn't get ding.

In OR poster's case, it's spread out over months so it's going to be counted as multiple hard IQ.

I orginally did my homework and basd on what I read, there are mixed comments on this subject matter. But the bottom line for me, I made sure it's within 2wks. I don't want to push the envelope and have multiple IQ. It goes back to the old saying...it's better to be safe than sorry. No pun intended.

---

I agree that you'll see diferent opinions and comments concerning this just like most things having to do with credit. 

But this comes from someone much higher up the food chain than I am so it's good enough for me:

This 45 day window applies to the Equifax 5.0 version sold on myFICO and all of the FICO 8 models. It also applies to TU 04. But TU 98 and the EXP v2 (the one we used to sell and the one most widely used) versions have the 14 day window. The 30 day buffer (that people rarely mention) hasn't changed at all, though.

But I fear I have TJ'ed this so this will be my last comment.

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Your absolutely correct.

[mauve]

Now that this thread has been completely jacked, does anyone have a helpful suggestion?  An opinion on one or all of the cards I'm interested in?  Information on who they pull in MI?  

[tntexans72]

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@mauve wrote:

Now that this thread has been completely jacked, does anyone have a helpful suggestion?  An opinion on one or all of the cards I'm interested in?  Information on who they pull in MI?  

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Lol...sorry, I would look at the Chase Freedom or Discover More for no AF. Chase & Discover generally pull EQ most of the time. You can bet on that.

[Creditaddict]

Citi has the longest right now... I would not apply for another Cap1

[lenz99]

Citi platinum select, no cashback but 21 months 0% apr. or dividend platinum select, 1% cashback and 15 months 0% apr.

https://creditcards.citi.com/credit-cards/view-all-credit-cards/

[mauve]

21 months? Nice!  Also, I have no MCs right now.