Should i try some more apps?

[Legions36]

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@KennyS2006 wrote:
Wait and it should sort itself out. Disputing something that is valid isn't good... What exactly kind of card are you looking for?

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No its not valid the way it is showing. I already disputed it because its sappost to show (paid as aggreed)but its showing (Account delinquent 180 days past due date) from 2008, but everything else on it looks paid on time from then on out. This is something that i have fixed and should not be a negative on my account.

Im looking for the Amex Gold Delta Skymiles. Do u think if i applied now i would get approved? My score is 729 and in March it will be 7 years old anyway. I mean i was instantly approved for Freedom and they also pulled experian. 

[09Lexie]

You were double pulled for Chase + you have a derog of 180 days + you just went on a spree- ordinarily I would say its just one hp but your chances of approval are better without the derog.

Ultimately it's up to you.

Good luck if you decide to app.

[FinStar]

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@09Lexie wrote:
You were double pulled for Chase + you have a derog of 180 days + you just went on a spree- ordinarily I would say its just one hp but your chances of approval are better without the derog.

Ultimately it's up to you.

Good luck if you decide to app.

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+1

Approval chances are sketchy at best but you can always try your luck OP, given your itchy fingers.

[Legions36]

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@09Lexie wrote:
You were double pulled for Chase + you have a derog of 180 days + you just went on a spree- ordinarily I would say its just one hp but your chances of approval are better without the derog.

Ultimately it's up to you.

Good luck if you decide to app.

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Yeah im going to wait until they update it in a few days. No reason to sell myself short on a higher limit when they need to fix it. I really dont want a derog showing when its not sappost to, i even had a feeling to check experian last month but i waited, this could have been fixed already.

[Legions36]

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@Legions36 wrote:

Anyone know if it would be to much to ask these CU's to refinance my auto loan i took out 5 months ago? I'm paying 13% which is rediculous and still owe $12,800, i already asked them and it will be another hardpull even though they just ran my card? 

I also have the option of paying off the car then going for a collateral loan too if necessary. It feels like im getting robbed and my credit was not even close when i got this loan.

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OMG i feel like the man right now. I was just approved for the refinance on my crazy auto loan from 13.25% down to 2.49% thanks DCU. I really don't know how to thanks everyone here for guiding me in the right direction, i'm grateful.

[09Lexie]

Glad it worked out for you!

[09Lexie]

By the way... DCU should offer you .5% off with a cc or DD if IIRC

[mountainmom]

Awesome rate for your refi! Congrats

[Legions36]

Thanks. All the hard work from this year has really paid off.

[Swapmeet]

Congrats on your success. It seems, from what you have said so far, that when the derog is fixed, you want to apply for the BCE. It has no annual fee, plus cash rewards. Also, it is not very important--just a side note, but instead of suppost to, write supposed to.