Just curious, when you guys and gals are prepping your score for a big application (like the CSR or something along those lines) how long after your reports show the score increase do you wait to apply?
If you don’t have a relationship with the financial institution, it’s likely to be a hard pull, so you can wait until your score goes up like I did where I asked TU for EE on three derogatory accounts and then turned around and took that 54 point boost to go for the Sync PayPal cashback.
Basically if you’re monitoring your credit, you can app when you get the alert that the change you’re waiting for has happened as long as you know what report will get pulled - if you don’t know, wait til it’s reflected on all three bureaus.
If you are not looking specifically based on score, just grab WalletHub and Credit Karma. WalletHub will update Transunion every day for you, Credit Karma gives you EQ once a week but both of them are VantageScores so they’re worthless outside of monitoring, then get the Experian app and you get your Experian credit report and FICO every month as well as alerts for inquiries, new accounts, etc.