cancel
Showing results for 
Search instead for 
Did you mean: 

Which card to app for next?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Moderator Emeritus

Re: Which card to app for next?

Nice work!

 

Just puttin' syrup on something, don't make it pancakes.
Message 11 of 14
Frequent Contributor

Re: Which card to app for next?

Congrats! Have you pulled your report recently? What are your scores, utl, inquires etc?
 
Message 12 of 14
Contributor

Re: Which card to app for next?

I haven't pulled my score since the initial decline. My one credit card was at 0% util. I had no inquiries on the TU report that they pulled. Then I had one inquiry on the updated report I sent them, since they had pulled it initially.

 

I have 2 installment loans. One is a motorcycle loan for ~6000 originally and I owe 4300. The other is a personal loan for 5700 and I owe about 3800.

 

My TU FICO was 682 before a Baddie repo with a few lates was taken off (taken from their decline message).

 

I have an AAoA of about 8 years. The CC was opened in 1998.

 

I have 0 late payments after the baddie was taken off.

Open Credit Cards:   Target Visa/5900CL    |    AMEX BCP/6000CL
Latest Credit Scores:   780 TU (2011-08-01)
Credit Score History:   708 EQ (2011-07-01)    |    682 TU (2011-06-30)    |    693 EQ (2010-05-21)
Message 13 of 14
Contributor

Re: Which card to app for next?

So I found out AMEX pulled a second score so they could set the APR based on that score. They sent me my new score. My TU FICO is now 780!!! It was 682 about a month and a half ago. The difference is the repo w/ lates from 5.5 years ago was removed and the CC util was 9% instead of 0%. I now have 2 inquiries showing up on my CreditKarma account. I'm pretty sure those are both from AMEX.

 

I'm excited! This is much more improvement than I was expecting.

Open Credit Cards:   Target Visa/5900CL    |    AMEX BCP/6000CL
Latest Credit Scores:   780 TU (2011-08-01)
Credit Score History:   708 EQ (2011-07-01)    |    682 TU (2011-06-30)    |    693 EQ (2010-05-21)
Message 14 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.