@Anonymous wrote:
@FiveOhFour wrote:
@Anonymous wrote:
@FiveOhFour wrote:@Anonymous well the transunion score is now 750 because when i asked TU to remove the Sears card account entirely, even though it already showed my responsibility as AU as terminated, my score dropped from 780 to 750, i was sure it was be higher because i wouldnt have any missed payments on my report any more, even if from 2012, but apparently given the huge hit to my AAoA & my overall available credit outweighed the single late payment that was late by 60 days. I'd add it back and put me as an authorized user on it again but with my luck my score would drop again.
750 is NOT a bad score... It will eventually go back up. With a 750 TU score you are with the elites when it comes score ratings. I wouldn't even bother if I were you but it is entirely up to you.
More than the score drop what worries me is that after that card came off my report entirely i checked my Pre-qual on the cap one site and whereas for the last couple months it suggested the highest tier cards for me, its now showing slightly lower tier cards, like Quicksilver One and Capitol One Platinum whereas last month it Showed i was Qualified for the Quicksilver (not QS ONE) & it showed a lower rate for the better cards, and the Platinum Prestige as opposed to the Platinum, and it also showed the Venture card before as a pre-qualified card, and although i thought it now only showed the VentureOne, after checking again just now it doesnt show any venture card no matter what catergory i select i am interested in as something i am pre-qualified for, so clearly the system has downgraded me from apperaing to have "Excellent" credit to a tier below that.
FiveorFour-,
Don't worry about what shows on a pre-equal. They are not set in stone and does not mean a GUARANTEED APPROVAL. Several people have been pre-equaled on the CAP 1 site and when they applied, it resulted in a denial.
For example, I have never been pre-equal for a CAP 1 card but have their Venture with a huge limit. If you want the card, what is important is your credit profile, income etc..
If you are looking to apply for a card that is unsecured, I suggest you create your own thread in the credit card section about what you want in the card and people can make suggestions /help you.
Thanks, i hear what you are saying, its just hard for me to ignore that i was prequalified, recently had better pre-qual cards from cap one correlating to score improvements, and then suddenly after that AU account was completely removed and my TU score dropped to 750 i'm back to llower quality Pre-Quals, but between what youre saying and the fact that i guess it doesnt really matter that much as i have waited too long already to get a unsecured card, i'll just have to get over it 
I guess i just wanted to have the best possible cards i could get since so much has changed since my first secured cards, so that i didn't wind up with cards i didn't want down the line or something, but i am liikely over-analyzing as i am prone to do. I did start a thread seeking input a short while back, i was advised to go on a bit of a spree, but i think i will take you're advice and start another thread and narrow down my options a bit further. Thanks for your time.
My other thread: Help Me w/ My 1st UnSecured Card PLEASE