How a AU can help and how Transunion sucks, Advice?

[Anonymous]

Credit ScoresCredit Summary

Many approved apps have been accepted with AU on the boards lately, especially with those rebuilding credit. So I decided to get the credit works trial and check my reports since it’s been about a year, Experian and Equifax are great, Transunion sucks. Still dealing with them, Legal Shield maybe writing one more letter to get the Discover back on my report, under the fact that I have been a responsible account holder since I am the only that has been paying on the card since I got put on as an AU again. Some expenses came up, which I have gotten it down $250 from $4500 in a year.

While some on the board may not see the benefit from being an AU, I do and every little bit helps. See how different the 3 are from each other and time frames as well.

So advice from the board on me? As you can see I’m clean AF. Some have said I shouldn’t be applying for credit cards, but I need to take that plunge someday and its time within this month and next month to spead it out and start gardening again.

2 business credit cards  ( Discover and Wells)

3 to 4 personal  (Amex, Discover, Wells)

Income $80k per year

DTI= 10%

[dragontears]

First you are over thinking the effect of the AU card on your approval chances. A 810 is not going to have a higher approval chance than a 790.
Second, you will not get approved for 2 Discover cards without 12 months between apps. Also are you aware that Discover business card reports to your personal reports?
Finally, in your previous threads you were given a copious amount of advice on the wisdom of your planned app spread, that advice isn't going to have changed so just pull the trigger if that is what you are determined to do.

[CreditInspired]

In the eyes of ANY lender, you are going to be given the same APR no matter what CR is pulled because all your scores are above 760. So TU doesn't really suck.

IMHO, you are being concerned with the appearance of having 800+ scores (just my 2cents). Now granted, my 2020 goal is to be in the 800 club, but that's just because I "want" to be there. However, as long as I can get approved for the cards I want and get BTs/purchases at 0% APR, I'm completely satisfied with being ~15 points below 800.

So maybe it's time to stop beating yourself up about the AU-thing. 

[Anonymous]

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@dragontears wrote:
First you are over thinking the effect of the AU card on your approval chances. A 810 is not going to have a higher approval chance than a 790.
Second, you will not get approved for 2 Discover cards without 12 months between apps. Also are you aware that Discover business card reports to your personal reports?
Finally, in your previous threads you were given a copious amount of advice on the wisdom of your planned app spread, that advice isn't going to have changed so just pull the trigger if that is what you are determined to do.

810 is better than the 790 in terms of the fico score presented here since on that score Im thin vs having a AU which translates to more cards and history, just trying to make that point with an AU, so others see it.

Im well aware that Discover will show this on my personal, more history and more gardening for me

Thank you for allow me to pull the trigger.... 

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[Anonymous]

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@CreditInspired wrote:

In the eyes of ANY lender, you are going to be given the same APR no matter what CR is pulled because all your scores are above 760. So TU doesn't really suck.

IMHO, you are being concerned with the appearance of having 800+ scores (just my 2cents). Now granted, my 2020 goal is to be in the 800 club, but that's just because I "want" to be there. However, as long as I can get approved for the cards I want and get BTs/purchases at 0% APR, I'm completely satisfied with being ~15 points below 800.

So maybe it's time to stop beating yourself up about the AU-thing. 

TU does suck for the issues that I am going through with, thats my experience. Im not  beating myself up on the AU, I posted this thread to show the effects of the AU and when one isnt on a credit profile. My goal is just like your get the cards I need for my credit plans and just garden away... My goal was never to be in the 800, I mean what does it you besides great credit products? My goal was to rebuild and its happening slow but im glad ive learned a lot from the board

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[Remedios]

During the app process, most lenders separate AU accounts anyway because they want to see your payment history and utilization, not somebody elses. They do provide scoring gain, but approvals are not based on scores only. They are just one small part of the puzzle. 

[Anonymous]

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@Remedios wrote:

During the app process, most lenders separate AU accounts anyway because they want to see your payment history and utilization, not somebody elses. They do provide scoring gain, but approvals are not based on scores only. They are just one small part of the puzzle. 

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 Every little bit helps as it shows with the AU posts I have been seeing getting approved, realize that income, DTI, etc are main factors as well, which I am good. Im not going to base only on the AU but I feel it will help me some.