help!! approvals

[FicoC]

hello, i am looking for advice on 1-2 cards to apply for before going into the garden for 16 months! 

cards that only pull EQ

EQ FICO 670

EQ Score 680

100% payment 

1 year 8 months AaoC

4 years 5 months oldest acc

17% UTI 

0 Derogatory

7 iquirys

$140k income

 was approved for amex platinum and $2500 NFCU LAST WEEK

just had verizon charge off updated showing $0 balance and no data for all months that used to say charge off, credit went from saying serious delinquency to no delinquency bc of that. that was the only reason i have been denied in last 2 years

Looking for 1-2 cards to apply for today, preferably instant approval likely, generous lenders, nothing with proof of income and most likely to be approved! 

*not lying about income, just difficult with salaried job and business owner, 2020 was crazy for my business*

[Anonymous]

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@FicoC wrote:

hello, i am looking for advice on 1-2 cards to apply for before going into the garden for 16 months! 

cards that only pull EQ

EQ FICO 670

EQ Score 680

100% payment 

1 year 8 months AaoC

4 years 5 months oldest acc

17% UTI 

0 Derogatory

7 iquirys

$140k income

 was approved for amex platinum and $2500 NFCU LAST WEEK

just had verizon charge off updated showing $0 balance and no data for all months that used to say charge off, credit went from saying serious delinquency to no delinquency bc of that. that was the only reason i have been denied in last 2 years

Looking for 1-2 cards to apply for today, preferably instant approval likely, generous lenders, nothing with proof of income and most likely to be approved! 

*not lying about income, just difficult with salaried job and business owner, 2020 was crazy for my business*

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There are some really good banks and CU's that you would problably match to. The problem is;

You have a very thin profile. Therefore, some or all may ask you for proof of income.

Citi, PenFed, Capital One all would probably approve you but with that thin profile they may want to see that proof of income so I am not going to suggest any bank to you. Maybe others can chime in with a bank that will over look. I do not know of any that can for sure say no proof. Sorry

Thanks

Mark

[gdale6]

Hi there OP,

I have removed your duplicate post on this from the approvals forum. Please refrain from cross posting the same things in different forums in the future in can lead to confusion by the members and its not inline with our TOS. Thanks for your understanding on this.

[coldfusion]

Here's a good starting point showing  which issuers pull which CRA, also broken down by state.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-II/td-p/6379...

Since you don't want to provide POI be aware that credit unions commonly require it.

[increasingmyfico]

App for an Amex card like the Blue Cash Preffered or Everyday

[coldfusion]

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@increasingmyfico wrote:

App for an Amex card like the Blue Cash Preffered or Everyday

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OP did specify they were interested in reliable Equifax pullers.  AMEX pulls from Experian.

[increasingmyfico]

@ coldfusion 

Yes, but they have a recent approval there so score is within tolerance. So assuming they specified EQ for that reason that is a non factor. Also mentioned proving poi. Since they are already in with Amex she would be good on that as well. 

[lgtwriter]

Credit Unions usually will ask for proof of income if you have a thin file.

All of my Citi cards pulled Equifax for me. A few of their cards might accept you with a thin profile and your score. Citi Simplicity might be a good one to think about.