What are my chances PSECU combo?

[Anonymous]

I'm a member of PSecu. Have been for about a year. I have a checking and share account that I never use. Just get the equifax score. I've read that they check experian and that's my best score. I'm 702 no baddies. 3 tradelines with 30% utilization (which I can take to zero before I apply if I have to). My DTI is 35 if they factor child support. If not dti is .43. Is that to high for PSecu? Annual income is 46,900 with child support and 38500 without ( I live cheap )
Been at my job for 4 yrs.
Wondering if I would be approved and what I should ask for. 1,000? 5,000? 10,000?

[Datx]

How many inqs do you have on EX? If you can bring util down to about 10% and have low inqs, I think you are in a pretty good spot to be approved. I would ask for 20K and let them counter if they need to.

[Anonymous]

Inquiries: 6 total - dates are:
1/12 5/11. 12/10. 11/10. 7/10. 6/10.

Im wondering if 20,000 is to high for my income. Does anyone know if they use child support as income?

[CS800]

I would say your chances are good

[Anonymous]

Also I have only revolving credit. No mortgage or installment. Does that matter to PSecu?

[Datx]

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@Anonymous wrote:
Also I have only revolving credit. No mortgage or installment. Does that matter to PSecu?

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No, dont think thats going to matter with PSECU. Probably would be better since you don't have other debt. What is your current CL with that one revolving credit? And how old is it?

[Anonymous]

Date opened. 8/08 8/10 and 12/10

[Anonymous]

Credit balances and limits are:
200/500
0/300
0/250

These were all rebuilder cards. This was the starting limit they would give me. They are. BofA orchard/household (now cap one) and victorias secret. When if first started on my credit journey I was at 594. After doing the things I saw here I got up to 620 in 2010 and have finally hit the 700 mark because of this board

[Datx]

I still think you'll likely to be approved, but at a lower limit. Sorry, based on your score I assumed you had a pretty good history and thicker credit file. I would still shoot higher than what you're expecting though, don't want to sell yourself short. Maybe even shoot for 10K. Or if you feel better, do 5K for now and you can always ask for CLIs as you build history with them. Good luck on whatever you decide.

[Anonymous]

No problem. That's why I asked