How big of a hit to my score?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Mine are very close to each other.  Cap One has me at 693 and my real TU FICO is 815.  

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^^ message received  

So do you think the hard inquiry on the credit cards is worth the risk?

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Not at all.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Mine are very close to each other.  Cap One has me at 693 and my real TU FICO is 815.  

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^^ message received  

So do you think the hard inquiry on the credit cards is worth the risk?

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I'd encourage you to get your real scores first and then decide.  620 is borderline and if your FICO scores are a lot lower it is not worth it right now.  On the other hand, if they are higher, go for it.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Mine are very close to each other.  Cap One has me at 693 and my real TU FICO is 815.  

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^^ message received  

So do you think the hard inquiry on the credit cards is worth the risk?

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Not at all.

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?? Really I thought I was going to be in the clear.  I will be getting myFico scores shortly and will update so I can get a better lookat the situation. 

[Anonymous]

My Credit Tracker score is 638 but my TU Fico is around 680. CT and Credit Karma are way off. Credit Sesame, for me, is a bit closer but still not accurate. My EX Fico is around 700 and Credit Sesame is 688.

[Anonymous]

EQ: 625 

TU:599

EX:609

myFICO results as of 1/2/14

[TRC_WA]

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@Anonymous wrote:

EQ: 625 

TU:599

EX:609

myFICO results as of 1/2/14

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With those scores I say you have 100% chance of denial for both cards.

[Anonymous]

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@TRC_WA wrote:

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@Anonymous wrote:

EQ: 625 

TU:599

EX:609

myFICO results as of 1/2/14

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With those scores I say you have 100% chance of denial for both cards.

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Agreed.

EDIT: I will likely just take a large interest rate on my auto loan and stop sweating over it. Refinance after 6 months or a year and go from there.  If any one has any tips to get me further up that would be great.  

I must have missed 2 collections that are still open on medical bills.  Hopefully once I pay those Monday that has a positive effect for me. 

[Anonymous]

Go for the amazon store card. Maybe you can qualify for Discover chrome, student version. Others can chime in.

[Anonymous]

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@TRC_WA wrote:

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@Anonymous wrote:

EQ: 625 

TU:599

EX:609

myFICO results as of 1/2/14

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With those scores I say you have 100% chance of denial for both cards.

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I have to agree.

[Anonymous]

Paying your collections to $0 will not have a positive effect on your scores. You should try a PFD and that will definitely help.