@cutemarty1 wrote:
My scores are 700 ex. 690 eq. 690 tu. Inquiries are 23. Just did a new lease forma new car. So after having my credit dinged for the car several times, I decided to do a mini app spree as well. Also just approved for discover 2 months ago, citi 750CLI. Also have a time Warner paid off collection on my account just 2 months ago.
us bank ... Denied. Boa CLI... denied. Boa rewards Visa.. Denied. Cal com CU - 2500 approved.
I have the following..... Amex gold. Home depot 5000. Citibank Platinum 4950. chase freedom 4000. discover more 1700. Bank of America 1500. Best buy store 1425.
Best buy mc 1300. Express men credit 1000. Macy's unknown limit. Ge money bank 1500. American eagle 125
I also made myself an authorize user for an Amex blue with my gf. Will this help in approving me for my own Amex blue later on? ,u current utilization is 12%.
To be honest, I'm kinda suprised you got approved for anything, several new accounts, tons of inquiries, and a recent collection, not the best plan when looking for more credit. You need to take a break and cool down for a bit or you are going to start getting hit was CLD.
How many of those inquiries are less than a year old?
Also what's your AAoA and ~Income?
As for Amex, being an AU will help, but so will your Gold card. Just run lots of money through them, and PIF each month. However, I would not try and apply for an Amex for at least 6 months, probably a year. You need to cut those Inq down in half. And honestly if that collection is actually showing on your report, you are going to have a very hard time getting an Amex for several years.
Starting Score: EX FICO: Unknown EQ FICO: 717 TU (CreditKarma): 713
+1 Congrats on the approvals but with all those inqs, new accts., and fresh collection (did you try for PFD?) the timing was not that great for any app really, as the denial to app ratio seems to confirm...ideally put more time between the collection if you can't dispense of it altogether and keep that trigger finger away from the app button for a while 
The Gold and Amex AU acct can be a good lead in to a Blue down the road if treated well.
@cutemarty1 wrote:
@aftermath wrote:
@Amnesia87 wrote:
@cutemarty1 wrote:
My scores are 700 ex. 690 eq. 690 tu. Inquiries are 23. Just did a new lease forma new car. So after having my credit dinged for the car several times, I decided to do a mini app spree as well. Also just approved for discover 2 months ago, citi 750CLI. Also have a time Warner paid off collection on my account just 2 months ago.
us bank ... Denied. Boa CLI... denied. Boa rewards Visa.. Denied. Cal com CU - 2500 approved.
I have the following..... Amex gold. Home depot 5000. Citibank Platinum 4950. chase freedom 4000. discover more 1700. Bank of America 1500. Best buy store 1425.
Best buy mc 1300. Express men credit 1000. Macy's unknown limit. Ge money bank 1500. American eagle 125
I also made myself an authorize user for an Amex blue with my gf. Will this help in approving me for my own Amex blue later on? ,u current utilization is 12%.To be honest, I'm kinda suprised you got approved for anything, several new accounts, tons of inquiries, and a recent collection, not the best plan when looking for more credit. You need to take a break and cool down for a bit or you are going to start getting hit was CLD.
How many of those inquiries are less than a year old?
Also what's your AAoA and ~Income?
As for Amex, being an AU will help, but so will your Gold card. Just run lots of money through them, and PIF each month. However, I would not try and apply for an Amex for at least 6 months, probably a year. You need to cut those Inq down in half. And honestly if that collection is actually showing on your report, you are going to have a very hard time getting an Amex for several years.
This is not true. Being an AU on an Amex will only help if you DO NOT have an Amex already and when you apply for your own, you can possibly be backdated to your AU Amex opening date.
So should I ask her to remove me from being AU then. Am just sad with the outcome for the the CU app.... only 2500. you guys like get 10k from PSCU and NFCU
And you could too, if you stop applying for new credit for a couple years and let your credit reports cool off a bit! 
@aftermath wrote:
@Amnesia87 wrote:
@cutemarty1 wrote:
My scores are 700 ex. 690 eq. 690 tu. Inquiries are 23. Just did a new lease forma new car. So after having my credit dinged for the car several times, I decided to do a mini app spree as well. Also just approved for discover 2 months ago, citi 750CLI. Also have a time Warner paid off collection on my account just 2 months ago.
us bank ... Denied. Boa CLI... denied. Boa rewards Visa.. Denied. Cal com CU - 2500 approved.
I have the following..... Amex gold. Home depot 5000. Citibank Platinum 4950. chase freedom 4000. discover more 1700. Bank of America 1500. Best buy store 1425.
Best buy mc 1300. Express men credit 1000. Macy's unknown limit. Ge money bank 1500. American eagle 125
I also made myself an authorize user for an Amex blue with my gf. Will this help in approving me for my own Amex blue later on? ,u current utilization is 12%.To be honest, I'm kinda suprised you got approved for anything, several new accounts, tons of inquiries, and a recent collection, not the best plan when looking for more credit. You need to take a break and cool down for a bit or you are going to start getting hit was CLD.
How many of those inquiries are less than a year old?
Also what's your AAoA and ~Income?
As for Amex, being an AU will help, but so will your Gold card. Just run lots of money through them, and PIF each month. However, I would not try and apply for an Amex for at least 6 months, probably a year. You need to cut those Inq down in half. And honestly if that collection is actually showing on your report, you are going to have a very hard time getting an Amex for several years.
This is not true. Being an AU on an Amex will only help if you DO NOT have an Amex already and when you apply for your own, you can possibly be backdated to your AU Amex opening date.
From what I've read, you can backdate an Amex even if you already have one when you are added as an AU. I would not advise the OP to try and have this done now even if his GF card is older simply because if I were him, I wouldn't want to draw any extra attention to my accounts, especially with Amex.
As for it not helping your credit, being an AU on any card will help your credit if it's older and has a higher limit than your cards.
And has no negatives, like late payments, etc
OP, I got a CU cc with a 5k limit recently, so it's not everyone.
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010