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New card after mortgage closing

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Regular Contributor

New card after mortgage closing

I am closing on my mortgage on 1/4/19 and wondering how long I should wait to apply for a new card? Credit Karma says TU-708 and EQ-705.  Thoughts?

 

Thanks

Message 1 of 6
5 REPLIES 5
Moderator

Re: New card after mortgage closing


@TryN2Rebuild wrote:

I am closing on my mortgage on 1/4/19 and wondering how long I should wait to apply for a new card? Credit Karma says TU-708 and EQ-705.  Thoughts?

 

Thanks


You can apply for new cards immediately after closing.  The CK scores are worthless as they are Vantage, not FICO, scores.  You need to know your FICO scores before applying to have some idea of which cards you might be approved for. 

Message 2 of 6
Regular Contributor

Re: New card after mortgage closing

What is the best place to get my fico scores(I hope not to pay for them)? lol  Thanks for the info

Message 3 of 6
Frequent Contributor

Re: New card after mortgage closing


Credit check total has a 7 day trial for $1. That’s what many here use.
Message 4 of 6
Regular Contributor

Re: New card after mortgage closing

Should I wait until my closing before I get those? Will it impact my closing if I get those scores today? Thanks
Message 5 of 6
Frequent Contributor

Re: New card after mortgage closing

  1. It will not impact your scores to pull them yourself
  2. The time it takes for a mortgage to appear on one's reports can vary by lender. However, once it does report your scores will dip. So... it would be wise to apply for any needed credit within a few days after closing. 

Message 6 of 6
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