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Need to open another trade line

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bhenken08
Valued Member

Need to open another trade line

I just got off the phone with my mortgage broker, unfortunately I need to do some work before I can qualify for a home loan. 

 

She says I need to get one more trade line opened up. My TU score sucks! It's 590 my EQ is 616 EX is 638.

 

Does any one know of any credit card companies that pull Experan?

 

If not I guess I will just open another Secured Smiley Sad

 

 


Starting Score: 547
Current Score: 620
Goal Score: 700


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Message 1 of 8
7 REPLIES 7
Mustangfrank
Regular Contributor

Re: Need to open another trade line


@bhenken08 wrote:

I just got off the phone with my mortgage broker, unfortunately I need to do some work before I can qualify for a home loan. 

 

She says I need to get one more trade line opened up. My TU score sucks! It's 590 my EQ is 616 EX is 638.

 

Does any one know of any credit card companies that pull Experan?

 

If not I guess I will just open another Secured Smiley Sad

 

 


In NY area Amex pulls Experian

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 2 of 8
bhenken08
Valued Member

Re: Need to open another trade line

Ohhh Yeah, I'm In Washington Smiley Happy 

 

Might do the AMEX

 

anyone know how long Citi and cap one hold grudges? 


Starting Score: 547
Current Score: 620
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 8
distantarray
Established Contributor

Re: Need to open another trade line


@bhenken08 wrote:

Ohhh Yeah, I'm In Washington Smiley Happy 

 

Might do the AMEX

 

anyone know how long Citi and cap one hold grudges? 


not sure about citi but cap one doesn't hod grudges, probably the only unsecured line that you'll def be approved for.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 4 of 8
DrJim
Frequent Contributor

Re: Need to open another trade line

Check http://whogavemecredit.com



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 5 of 8
bhenken08
Valued Member

Re: Need to open another trade line

but don't they pull all three?  My TU is horrible. 


Starting Score: 547
Current Score: 620
Goal Score: 700


Take the FICO Fitness Challenge
Message 6 of 8
Brandnick
New Contributor

Re: Need to open another trade line

Having 590 score I would WAIT. Just try and get a secured card 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Message 7 of 8
distantarray
Established Contributor

Re: Need to open another trade line

they pull all 3 but they approve just about anyone, if required you can do a partial secure credit line with them. like $50 for $300 line etc.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 8 of 8
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