Opinion on BILT Mastercard with 684

[Soundersfan1]

So my Experian FICO 8 is currently at 684. 

Here are my data points

Credit Usage - 28% (Including AU accounts)

Credit Age - 1 Year 4 Months (12 year 6 months on AU account)

Late Payments - 0

Inquries:

Experian - 0/6, 9/12, 13/24

TransUnion - 2/6, 9/12, 18/24

Equifax - 0/6, 2/12, 3/24

What do you guys think? Should I have a go at the BILT Mastercard?

[coldfusion]

What is your utilization percentage without the AU padding?  

Do you already have any open deposit accounts or credit cards with Wells Fargo? 

[dfwxjer]

What's your utilization with the AU cards backed out? 

*edit* apologies just saw this was already asked

[Soundersfan1]

54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.

With AU - 27%
W/O AU - 54%

[JoeRockhead]

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@Soundersfan1 wrote:

54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.

With AU - 27%
W/O AU - 54%

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Since they're going to disregard the AU accounts, and strictly look at your accounts it certainly wouldn't hurt to get your aggregate utilization under 29%.  

[coldfusion]

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@JoeRockhead wrote:

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@Soundersfan1 wrote:

54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.

With AU - 27%
W/O AU - 54%

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Since they're going to disregard the AU accounts, and strictly look at your accounts it certainly wouldn't hurt to get your aggregate utilization under 29%.  

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Yep.  No guarantee that would get you over the hurdle but it's a step in the right direction. 

[Soundersfan1]

I'm just a little worried about recent inquires since WF is known to be inquiry sensitive.