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Found 13 results

  1. Seeking opinions and advice on last steps to do before 1st App Spree, as well as cards I may not be thinking of but should apply for (by the way AMEX may still have me BL). Pulled myfico.com scores tonite, EQ 691, TU 716, EX 706. Need to correct address on TU, (showing my address as that of Primary on accounts I am AU), on 10/31 EX will update my dispute on 10yo CA, and my TU inq's will be gone by Tuesday 10/28. My file is somewhat thin, AAOA is 4 to 5 yrs depending on CRB, I have personal CLs of $5k, $4k, $3k x2, $700, $600, $500, and $425 reporting, along with my Student loans. Also have 6
  2. Up late again reading Creditboards and have a question. I am going to do an app spree in November and want to get a few Chase cards. I am pre-approved currently for their Freedom and Slate, but I also want to app for their Ink w/ the 70k bonus. Yet I don't wanna screw up my potential pre-approvals either, any advice?
  3. Hi Everyone: After reading a lot about Synchrony, as well as other CC's and multiple apps, in various post on CB, I am hoping to get opinions and feedback to a question(s). Do you think Synchrony just chooses to be liberal with Lowe's? I know that there is one # for Recon on ALL Synchrony CC's. And I also know from reading (and personal experience), it seems as though if you app for more than one Synchrony card and call to recon on all of them, Lowe's end up getting the largest CLI. I wonder if this is because most of us see the success others have had and call on that card 1st? Or is it t
  4. Hello Everyone: I have not posted to this forum but have been on CB for over a year (Unofficially). Honestly, I have been so focused on my Personal Credit, that I have not given much thought to my Business Credit. However, I had planned to app for a few business cards on my upcoming spree on November 9, 2014 (yes I have a date planned to coincide with TU B*, and updated reports, lol). I would greatly appreciate any and all comments/opinions regarding any pointers on my strategy. I had considered PG anything needed. I definitely want to app for the Barclay's US Airways Biz CC and perhaps th
  5. Well after reading recent post regarding the various Points Programs, Redemption Value, and Bonus Offers, I have been thinking about a "Strategy". I am gearing up for an App Spree after having completed one for my DW between 8/30/14 and 9/2/14 (yes I know, I went overboard ). I was able to take her from 5 "Toy Cards" with a few decent Store Cards (5) to 14 New CC Accounts (10 of which are non toy, hoping 3 of the new toy cards grow, while Sams Club Store I could care less about ) and 1 New $5k PLOC (NASA). However, my dilemma is that I'd like to know if it is better to have "complimenting
  6. Just wondering if anyone has ever app'd with BofA and had it take the full 30 days that they say it may take. Just app'd with them on the 1st day of the app spree for DW (8/30) and they still say it is under review. Wondering if she should call and try talking to the UW dept, any suggestions? Thanks, BD
  7. Hey CBers! Back 2x in same day for more advice. Since I have just completed the App Spree for DW. I am going to continue with mine after I complete B*. My question is, I just helped her get a couple of 5 digit approvals, but I am worried if I ad myself as an AU they will affect the potential of me getting approved for certain cards during my App Spree since they will be recently opened and also bring down my AAOA. Any advice? I kinda want to ad them since "Higher Limits beget Higher Limits!" Thanks, BD
  8. Hey CBers! I am in need of advice. Just completed an App Spree for DW. (I am still waiting on a few things, then I will post the whole shabang!) Nonetheless, at the end of the App Spree I decided to do a few last apps for some CU's (lesson learned, All Newbies, PLEASE READ CB BEFORE ATTEMPTING ON YOUR OWN!!). Alliant pulled a soft and DCU pulled a hard. The dilemmas are that 1) DCU approved her as a "Limited Member" due to balances on open accounts and current accounts less than 2 yrs old and are saying that they must pull another hard for any other apps (i.e. CC and LOC). So should I allo
  9. Hi guys, First time/long time... wondering if you had any advice as I consider my next moves. I'm 25, make about $43k a year before taxes, and have investment assets and income I could include if needed. Had credit since 2010, no missed payments, baddies, or anything like that. Oldest account is 3 yrs 8 months, newest is 7 months, and AAOA is about 1 year 10 months. These are my cards: AMEX Blue Sky, $10,500 limit AMEX Blue Cash Everyday, $2,000 limit BofA BankAmericard $5,000 limit Barclaycard Rewards $2,000 limit (newest, opened 1/2014) Barclaycard Financing (Apple) $2,
  10. From anyone out there who has completed a successful app spree lately - how substantial was the negative effect (if any) on your score? I'm waiting on zero balances to report to app for a few select cards to thicken my file.
  11. Looking to do a app spree Equifax is my worst with 12 16 month old auto finance inquiries. Experian and Transunion only have 2 each about 16 months old. I'm already going to apply to usaa and pennfed both pull Equifax so I would like to apply to a couple cards that don't pull Equifax thanks.
  12. Hello all. I've been patiently plugging along but once again need some advice. I think it's about time to try for more credit, but I don't know where to go from here. Perhaps an app spree is in order, but I'm worried about a bunch of inquiries affecting my chances of obtaining a mortgage within the next two years. Maybe it's just a couple apps and otherwise concentrate on cleaning up reports. Help? Ch7 BK filed 3.14.11, discharged 6.20.11. Included PenFed , Citi, Barclay, CapOne, Chase, and HSBC. So far I have the following accounts, at 0% utilization at the moment: NFCU Secured V
  13. TUC is currently pristine, and EFX will be in a matter of weeks. That includes ZERO inquiries on both. I'll pull the trigger when the last derog on EFX drops. I already have a stable of four or five "decent" V/MC/AE cards, so my goal is to maximize my ongoing rewards/cash back, round out my credit profile and get back in Citi's good graces. I am NOT focused on maximizing sign-up bonuses this time around... that will be for next time. The signup bonuses are mentioned here only as a point of interest. The numbers before the card name indicate relative priority and sequence for applying.
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