Newbie in need of CL's

[Ohlordy!]

People aren't "Casting Stones" at you, they are asking questions so they can help. Much like a doctor. Do you get this way around doctors too?

 

Your scores are too low for what you described, so there is an underlying problem (whether you are aware of it or not) and the people of CB are trying to figure out what it is.

 

Order hard copies of all 3 of your reports, read the newbie sections while you wait, and come back here with questions.

Ok I'm on it

[Ohlordy!]

Looks like lil ole me brought the whole family out lol happy holidays already

[ubercat]

 

You're, on, it?

[Ohlordy!]

Almost two weeks and yep Im still reading.... I will advise all newbies take your time or self destruct

[chugs102]

Dude, if your profile is clean and thin, it's time to go on an app spree.

 

Apply for an AmEx ASAP.

 

Look for cards with attractive sign up bonuses. Add 10 cards to your repertoire. Let them age.

[EternalDebtSlayer]

Almost two weeks and yep Im still reading.... I will advise all newbies take your time or self destruct

 

Did you order your reports? Did you receive them?

[casemodgod]

If I had completely clean 700+ scores, I'd be an app-o-rama having SOB.

I got 180 day lates and I'm almost @ 700 across the board, so you should have a no brainer

app orgy.

 

I'd be firing off 1-2 apps to every major provider ASAP.

 

If you got derogs and you aren't letting out about it, you're only hurting yourself.

(not implying you do, just reiterating what others said about that)

[Ohlordy!]

Well I have been busy working I haven't gotten around to ordering reports but I did have a family member add me to a 10k 13 yr cap one card that should be reporting around the 3rd .... As far as card sprees ... Im not in a rush I want scores in 720-740 range before I apply for cards ... As far as derogs..... As I said before there isn't any... I'm so close to that range waiting another month or two and I lowered debt utilization also (discover it has a $2 balance) can only help scores....

[Ohlordy!]

Ok latest updates

Paid primary accts to basically nothing.... Cap one quicksilver sent me a pre approval 1.5%cash back no annual fee..debating if I should take it....as for now I only want to apply for 2-3 cards preferably this week, ask Discover for CLI and try to take these online courses in "B*tology" which leads me to my next question.....can someone refer 3-4 monitoring sites for each bureau that can I use to help me wit B*.......anyone?....I mean it is the season to be jolly rt?.....preferably someone without saying....READ......lol joking but really (all of this GNIDAER has made me dyslexic )

Fico scores are

764 exp. 1inq

751 transunion 4inqs

757 equifax. 2-3 inqs

[chugs102]

http://creditboards.com/forums/index.php?showtopic=427883&p=5124083

 

 

No need to B*

 

You aint got squat for inquiries.

[Ohlordy!]

http://creditboards.com/forums/index.php?showtopic=427883&p=5124083

 

 

No need to B*

 

You aint got squat for inquiries.

 

Thanks for the link. And advice

[Ohlordy!]

Okay after alot of sleep reading.. and cautious thinking.. i submitted a few apps online

First I took the prequalifer offer from cap one quicksilver and was (horns please)

Approved for 3k CL called for recon to no avail ... and then (cut the music)

Approved for Chase sapphire preferred card 20k CL (OH LORDY!!)

Pending decision from Fidelity Amex... customer service rep was nice but re-directed me to an automated application update line updates every 2hrs (doesnt sound good)

But .... 23k sounds like a good start for a stubborn newbie

Gone Back to Work, will keep you all posted on the pulls and pending apps soon

[EternalDebtSlayer]

[mendelssohn]

Okay after alot of sleep reading.. and cautious thinking.. i submitted a few apps online

First I took the prequalifer offer from cap one quicksilver and was (horns please)

Approved for 3k CL called for recon to no avail ... and then (cut the music)

Approved for Chase sapphire preferred card 20k CL (OH LORDY!!)

Pending decision from Fidelity Amex... customer service rep was nice but re-directed me to an automated application update line updates every 2hrs (doesnt sound good)

But .... 23k sounds like a good start for a stubborn newbie

Gone Back to Work, will keep you all posted on the pulls and pending apps soon

Nice!

 

If you are getting approved for $20K with Chase, don't bother playing around with any more Cap1 cards.

[drew3918]

Rome was not built in a day. OP

[Ohlordy!]

okay ....after a cold war between the angels and the demons in my mind... I looked at topics on each card searched Credit pulls forum to see which bureau would be pulled and then I went on a app spree

and here is the lastest updates

chase sapphire 20k

marriott rewards 17.5k

citi diamond preferred 6k

Dcu visa card 5k and 35k auto loan

Barclays arrival plus 4k

Cap one qs card 3k

Amex spg card 2k

previously had

Discover 2.5

Cap one 800 secured

 

60k in credit cards

35k auto loan in less than 45 days all from reading CB!!

So thanks everyone and I hope that the stubborn newbies like myself learn from my rants....through trial and error you have to READ I'm still reading still lazy lol

I'm still bucking the trend. my arrogance made me really feel like I can get higher limits without reading but now i know if i read more i could have done even better .... i thought about the recon lines but i was just happy to get in the door especially with (AMEX SPG), I figured hey I will ask for CLI's after 90-180 days on each. i wanted to become a CREDIT PIMP instantly but i know...ROME WASNT BUILT IN A DAY .... so back to drawing board next decision is to B* or not to B* ...not applying for anything for the next 6 months anyway... but it would'nt hurt to learn the ins and out of the B* system so im onto that next