Hello guys 
I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.
My scores are EX 735 TU 745 EQ 717 with around 8 % utility. No baddies or lates with a 2 year history with 5 inquiries on my reports.
What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?
Thanks for the advice in advance.
@Anonymous wrote:Hello guys
I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.
My scores are EX 735 TU 745 EQ 717 with around 8 % utility. No baddies or lates with a 2 year history with 5 inquiries on my reports.
What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?
Thanks for the advice in advance.
chances are very high.
it will be a separate inquiry. people are sometimes able to get it done via 1 HP if both apps are done within a 24 hour period.
@Anonymous wrote:
@Anonymous wrote:Hello guys
I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.
My scores are EX 735 TU 745 EQ 717 with around 8 % utility. No baddies or lates with a 2 year history with 5 inquiries on my reports.
What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?
Thanks for the advice in advance.
chances are very high.
it will be a separate inquiry. people are sometimes able to get it done via 1 HP if both apps are done within a 24 hour period.
+1 ... it should be pretty easy. it will be another HP
@Anonymous wrote:Hello guys
I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.
My scores are EX 735 TU 745 EQ 717 with around 8 % utility. No baddies or lates with a 2 year history with 5 inquiries on my reports.
What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?
Thanks for the advice in advance.
For what it's worth, when I applied and got my card, the inquiry showed as Bank of America.
Thanks you all for the very good information. I have decided to hold off on applying for the card as it is not something I really need at the moment.
I will hold off from applying for it for at least six months so i can age my inquiries and newer TLs.
Thanks again