Short detail of my CR is, Cap One card ($350 CL), one secured bank note ($1.5K), and a Chase AU account for 7k. The Cap One CC and installment note are two months old (opened 3/20). The Chase AU is 15 yrs old, perfect history, just added last month. AAoA is 6yrs. Last FICO score a week ago was TU 735, EQ 764. No clue about EX, but FAKO shows 770.
Inquires on FICO TU is 3, but 6-9 on CK and SCP. EQ FICO is 1 mortgage stickies (6/11) and EX is 8 according to USAA, MPM, etc.. Utilization is 1% on both CC's. Some of the FAKO models don't give me the boost for the AU account so that bothers me when I think about apping.
On NFCU, my grandad is retired military (USAF), can I join? I see on PenFed I can join for a yearly membership fee of $20 or so, no problem. Basically, I am looking for the one or two (any) that might issue me credit based on what I have posted above. Could I try the Chase Freedom that I am already an AU on? The inquires on EX probably will shut me down with anyone who pulls them. BTW, I don't use the AU account or have access to the 7k, just there for scoring purposes. I NEED some credit to myself! Oh, I did get approved yesterday for a WFNNB retail card for $250 with a call-in recon (explained inquiries).
As always, advice is appreciated.
Edited by Saleen, 27 May 2012 - 11:55 AM.