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Newbie here with 5 new credit card approvals.


Pinkflow
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Hello All,

 

I applied for 5 cards in 7days , thinking this would be better that spacing them out. How long before I see the effect of the Hard Pulls. I only noticed 6pt. decrease so far. Im trying to rebuild by credit. I have had a  500 secured Open Sky Visa 1 year and 1/2.  I was approved for CAP 1 3000 ,BOA 3000 , Chase Sapphire 5000,  Discover 7000 and American Express Gold 1,000.

 

 

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Well the hard pulls will affect your scores immediately. I would not be worried about it though. You just got approved for some fantastic cards, and it sounds like you might have a pretty clean profile, based on those approvals. Now, all you need to do is use those cards and pay the bills each month, and watch your score go up over time.

 

Discover gives a free TransUnion FICO score each month.

American Express gives a free Experian FICO score each month.

Capital One has a free credit monitoring program called CreditWise that will give you your Vantage scores, which aren't all that important, but will help you monitor your progress.

Chase has a similar program to Capital One.

Bank of America provides a free FICO score too, which is also from TransUnion.

 

I say just check out all of these free resources.

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On 10/17/2021 at 9:32 AM, Pinkflow said:

How long before I see the effect of the Hard Pulls.

 

FICO scores are generated on demand, using the data that's present in your credit file.  But no one cares about inquiries, so this doesn't matter anyway.

 

On 10/17/2021 at 9:32 AM, Pinkflow said:

I was approved for CAP 1 3000 ,BOA 3000 , Chase Sapphire 5000,  Discover 7000 and American Express Gold 1,000.

 

Looks like you have some SUBs coming your way.  :) 

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