What should I do next?

[Anonymous]

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@Anonymous wrote:
This is seriously gonna screw my inquiries up, my TU is already at 4

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Inquiries are a temporary issue. Most people worry WAY too much about them. You simply can't get accounts established without  getting them. The sooner you get them, the sooner they go bye-bye.

[Anonymous]

Wait, u mean I could close them now and get my money back? I figured theyes had to be open for a certain amount if time to get my money back

[Anonymous]

Btw, I understand I'd rather have unsecured than secured, I was just worried about losing my money

[Anonymous]

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@Anonymous wrote:
Btw, I understand I'd rather have unsecured than secured, I was just worried about losing my money

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No, they can't legally keep your money, unless the accounts are in default.

[Anonymous]

Man you always helpful as hell, ima add you on Facebook one of these days and we gon be friends

[Anonymous]

I suppose I should have mentioned I have one unpaid collection of 378 on TU and EQ and and a paid for 16 on EQ, EX is clear.... if that makes a difference in where I should apply

[Anonymous]

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@Anonymous wrote:
I suppose I should have mentioned I have one unpaid collection of 378 on TU and EQ and and a paid for 16 on EQ, EX is clear.... if that makes a difference in where I should apply

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You might ask around the CC forum, folks there may be able to guide you better on who pulls what CRA. All I know for sure is that Barclays pulls TU, and Discover pulls EQ.

[Anonymous]

Cap 1 pulls all 3 bc they just wanna piss me off

[Anonymous]

What flavor is barclays

[Anonymous]

Barclays has mostly MC products but they also have some VISA cards as well. I've got the Rewards MC, and apped for one of the VISA cards but was denied. I may try again when I get my UTI back down next month, since TU is my best score.