Scarlet, the 99/500 card is reporting as secured. The Citi card is a Citi CashReturns(SM) Card. A cash back card. And a very nice opening cl for me. 
When I applied for the BoA card they pulled EXP(I think) and the FAKO score was 665(dunno about FICO)
I applied for the Citi card this past Monday. They pulled TU. The last FICO score I have for them(01/18/08) was 655. I also applied for a Discover More card this past Tuesday. They also pulled TU. CL on the Citi is $7,500 and $2,000 on the Discover.
Uhhhhhh I don't know what kind of hit I took for the inq's. Haven't pulled my scores. I'll pull them next week, after everybody gets through posting my payments for month end.
Coffee?? It's brewing right now. I'm gonna need 2 pots of coffee today. Been up since 3(8:11 here now).
When I applied for the BoA card they pulled EXP(I think) and the FAKO score was 665(dunno about FICO)
I applied for the Citi card this past Monday. They pulled TU. The last FICO score I have for them(01/18/08) was 655. I also applied for a Discover More card this past Tuesday. They also pulled TU. CL on the Citi is $7,500 and $2,000 on the Discover.
Uhhhhhh I don't know what kind of hit I took for the inq's. Haven't pulled my scores. I'll pull them next week, after everybody gets through posting my payments for month end.
Coffee?? It's brewing right now. I'm gonna need 2 pots of coffee today. Been up since 3(8:11 here now).
@haulingthescoreup wrote:
When I did my 5 apps in 8 hours, I thought I knew which CC would pull which report, but I was wrong on 2 of them. So it was really fortunate that I app'd in a certain order.
I went for the most important ones first (PenFed gas card, PenFed loan) so that they didn't see any other inqs going on. They pulled EQ, which I expected. After I got them, it was BofA, to get a BT card, and then pulled EX, also expected. So BofA wasn't aware of the PenFed apps. Then came Home Depot store card (Citi), which I thought would be TU, but was EQ, suddenly making 2 inqs on EQ. (PenFed just does one hard in 60 days for as many products as you want to go for.) And finally, I app'd for Borders Visa (Chase), which I thought would be EX again, but nope, they also pulled EQ. Still haven't heard from them.
So if you do it all at once, do it in order of importance of the card to you, and try to do it according to which report they'll pull. They won't see if you've gotten other credit, and least not when you're app'ing, but they'll certainly see the previous inqs.
Wow hauling! That's the most carefully thought out app'ing spree I've ever seen! Very well done! And I clearly see your logic behind your methodology !
Thanks! I prefer the sniper/ sharpshooter approach to automatic weaponry.
@Anonymous wrote:
Wow hauling! That's the most carefully thought out app'ing spree I've ever seen! Very well done! And I clearly see your logic behind your methodology !
edit to add: I called Chase this morning, and they finally admitted that I'd been approved for the Borders Visa, which they mailed last Friday! That puppy had better be in the box when I get home today.
$3500 CL, whopping 20.99% APR. That seems to be the pattern, except for PenFed: give me lots of credit, and then sit back and hope that I'm careless enough to carry a balance! Ummm, no, don't think so, thanks all the same...
Message Edited by haulingthescoreup on 02-29-2008 11:24 AM
Hot dang girl! You are on a roll! Super congrats!
"Thanks! I prefer the sniper/ sharpshooter approach to automatic weaponry."
Love it! Stealth app'ing ! Hahahahaha
Well honey, that's where we differ. I prefer the shotgun approach. LOL Like the saying goes: throw enough stuff on the wall and eventually some of it will stick. lol (J/K!)
"Thanks! I prefer the sniper/ sharpshooter approach to automatic weaponry."
Love it! Stealth app'ing ! Hahahahaha
Well honey, that's where we differ. I prefer the shotgun approach. LOL
Like the saying goes: throw enough stuff on the wall and eventually some of it will stick. lol (J/K!)
@ScarletFever wrote:
. . . .Would you say that splurging requires Fico's from 650-680, understanding which creditors pull from which CRA, and no collections within 2-3 years? Is there accurate available info in regard to which creditors pull from which CRA's? Would apping several creditors simultaneously help the inquiry problem?
I'd say that any successful app requires knowing which CRA will be pulled, and if you want good cards, then that score range and no recent collections are both necessary.
You can check WhoGaveMeCredit.com to see what are the typical scores necessary for various cards, and which CRA's were pulled, although that info is sometimes pretty shaky. In addition, do a search here on the forums for any card issuer that you're interested in, to find out if they have any little quirks, as in no collections showing on the report, period.
The trick with the inq's is that they show up immediately, and I mean IMMEDIATELY, when you app. I pulled my TrueCredit the moment I was approved online --we're talking about 60 seconds after I hit "submit" --and the inq was showing. So that's why we get pretty obsessive about knowing which card pulls what.
What you might do when you're just about ready to app is start a post here, listing your 3 most current FICO scores, a summary of your credit (how many baddies, what they were, when they occurred, all the ugly details), what cards you already have with their balances and credit limits, and how many inqs you already have on each CRA. Then list the cards you're looking at, and let everyone chime in.
Those of us who are temporarily out of the app'ing market LOVE to give advice to others!
