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My baddy goes away in November. How much do you think it affects things? What kind of % can I negotiate off if it goes away within 6 months, is something like 30% doable?
Whats interesting is the simulator says if I just keep paying my card, my score won't really go up. If I get a CLI to say 300>500, it shows 5 pts boost. But if I add another card with 5000, it suddenly goes up 40pts. That got me thinking about my jewlers account, or another trade line. Ihavent gotten a sense from reading the forums if their scores did jump that much after doing something like that. Please advise.
Try the SCT with Comenity's Sportmens Guide Visa. I had a couple of baddies (two late payments on one card and a charge off on another) when I was accepted with a $9K SCL and no hard pull. Two weeks later $10K with Overstock. Both were SP's.
You got a SP on a visa card? Nice, I thought that is always HP. Nice call on the VISA and overstock, former for usability latter also. I'm trying for popups as we speak, wish me luck.
soooo.. thanks to all the members here for the helpful replies, first of all. I didn't really want a store card, and kept trying for the Sportsman Visa, but it just wouldn't pop up. (doesn't help I have like 4-5 extensions blocking release of my private data (ghostery, ublocker for those wondering)
so today I was ready to try again, and kind of start thinking about Overstock store card.. decide to check fico with discover for the heck of it. Same score as last time, 657. Decide to click "see offers" just in case, even though I got the secure card preapproval 3-4 times before. To my surprise, Discover IT and Chrome! Now im off to the forum, reading all the threads about chanced to get approved, about which card to pick, etc. All this time I am hoping the pre-approval window won't time out. Then came the fear "why not wait a little? why not get a store card and try then?" I only have 1 billing cycle on a single capital one card afterall! 1 baddy that goes away in nov, and oldest account of 14 years that will go away in a few months since it's closed (comenity express). So I NEED something I felt, right now, because I need aged accounts. So I go on, keep submitting, stopping and double thinking about it on every screen. Finally, submit.
wait, wait, wait...
"We need to verify your address" Submit info. Call rep.
Try to be as polite as I can.
Resubmit more recent bank info with address.
She comes back after a minute, I almost take up smoking during this time!
"We have great news, you're approved for $1200"
Bingo!
674 faco TU score, 657 Ex.
Looking to 700's!
So I have cap 1, discover, and commenity/express that is closed and will drop off soon unless i beg them to somehow reopen it. What do I pick as my 3rd card? How soon to apply? (2 HP within 2 months now, other 2 from 2016). Burned AMEX and USbank/wellsfargo.
Thanks for the member suggestions and this great forum once again.