PSECU Inquiry Sensitivity?

[Kiwill]

I am waiting on my welcome packet from PSECU, thanks to you wonderful people. 

I have a total of 15 inquires on my EQ report, 9 in the last 12 months.  What are my chances of getting approved for a cc and loc? 

 713 FICO, could be higher [new $0 balances reporting]

AAOA - 4yr 8mo

No Derogs

Newest Account - 3/2010

Revolving utility is currently at 42%. 

This will be lowered over the next several weeks due to more $0 balances reporting, but I want to apply before a new account hit, my AAoA will be lowered, utility will increase due to BT's.  So what do you think, will I have a shot? I need at least 10K for more BT's. 

[Anonymous]

PSECU pulls Experian.

[Kiwill]

Oh that's right, even better....I think. Obviously I have no idea what my EX report score is but here are the stats I do remember.

3 inquires in the last 12mos.

No Derogs

Utility should be in the 40 percentil as well. 

So what do you think?

[Anonymous]

One of those 3 inquiries is from PSECU for joining so I think only those other two will come into play which doesn't seem excessive. That 16k worth a debt might be a concern though.

[Kiwill]

My AAoA is 3yr6mo. 

I'm very upset and have been working with EX to update my oldest account as AU which is 30 years old.  It's currently not being calculated into my fico because it's been under investigation for a looong time and the creditor says they report all accurate information. 

Utility 58%

Should be lower now that $0 blalances are reporting. 

[Kiwill]

Ok, I bit the bullet and ordered my EX report, only because I need the Report # to call them and inquire about my oldest account not reporting properly.  Here are my EX stats:

FAKO Score 681 (whatever)

Utility - 44%, $11, 500 debt

Oldest Account - 12. 6yrs

AAoA - 3yr7mo

No Derogs

17 Inquiries, 6 in the last 12 months, one of which is PSECU.  I wich creditors could see that your inquiry was based on a CLI request because all 6 inquiries for this year were a result of cli requests. 

In the mean time, i'm going to be contacting EX about updating my oldest account so that it is calculated in my fico scoring and utility, there is no balance. 

[MarineVietVet]

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@Kiwill wrote:

Ok, I bit the bullet and ordered my EX report, only because I need the Report # to call them and inquire about my oldest account not reporting properly.  Here are my EX stats:

FAKO Score 681 (whatever)

Utility - 44%, $11, 500 debt

Oldest Account - 12. 6yrs

AAoA - 3yr7mo

No Derogs

17 Inquiries, 6 in the last 12 months, one of which is PSECU.  I wich creditors could see that your inquiry was based on a CLI request because all 6 inquiries for this year were a result of cli requests. 

In the mean time, i'm going to be contacting EX about updating my oldest account so that it is calculated in my fico scoring and utility, there is no balance. 

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I'm not sure if that would be a good idea or not. Lenders might wonder what the reason is for all those CLI requests.

Or maybe not. Just a thought.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".