Don't bank on Discover pulling EQ. They pulled EX for me.
How soon are you looking to get a MTG? New accts are frowned upon, not just the inqs.
Discover isn't known for giving large CLs at first.
If the MTG is at least 6 months out I'd try a CU for a large TL with a likely EQ pull.
And chilling out is always a good thing. 
firstinlastout wrote:
yes...mortgage will be 6-7 months...probably December of this year.What does this mean " out I'd try a CU for a large TL with a likely EQ pull."
If you are at least six months out, as in six months away, from the mortgage application you might consider a CREDIT UNION (such as PenFed) for a large TRADELINE from a lender who will likely pull your EQUIFAX report.
I hope that makes sense!
firstinlastout, I have never, ever, ever read of PenFed pulling ANYONE other than EQ. Yes, the National Military Families Association option is the way to go.
As Peas said, do a search here on PenFed to get a feel for what they want. You'll get plenty of results, because they have gotten really hot here over the last several months.
Generally speaking, they want an EQ in the upper 600's and above, low util, very few recently opened accounts, and a reasonably clean credit report without recent baddies, as in within the last 12 months. If you're weak in one of these areas, but really strong in others, that might be enough. With a good income, they are very generous.
Many people have to show proof of income. I didn't, because I could tell them that I'm a GS 8/7, and they either took me at my word or somehow verified it on their end. (Scary!) Although I'm a Federal employee, my agency doesn't qualify me for PenFed membership, or anything else
, so I did the NMFA deal.
I got the gas card, praise the heavens above, and a car loan. Great people, great organization, deeply primitive website, although I think that they are working on this.
As Peas said, do a search here on PenFed to get a feel for what they want. You'll get plenty of results, because they have gotten really hot here over the last several months.
Generally speaking, they want an EQ in the upper 600's and above, low util, very few recently opened accounts, and a reasonably clean credit report without recent baddies, as in within the last 12 months. If you're weak in one of these areas, but really strong in others, that might be enough. With a good income, they are very generous.
Many people have to show proof of income. I didn't, because I could tell them that I'm a GS 8/7, and they either took me at my word or somehow verified it on their end. (Scary!) Although I'm a Federal employee, my agency doesn't qualify me for PenFed membership, or anything else
, so I did the NMFA deal.I got the gas card, praise the heavens above, and a car loan. Great people, great organization, deeply primitive website, although I think that they are working on this.