Can I Get a Credit Card In a Short Amount of Time?
Author: shortstop7
Posted: Sat Apr 08, 2006 8:31 am
Post subject: Need Cards urgently! Please help/advice.
I am in the process of rebuilding my credit. I am doing pretty well so far. My scores on all 3 CBs have climbed about 100 pts in the past yr.
I am moving end of this month and desperately need to get somne cards for furniture, electronics etc. I have a very good income and plan to pay them off within the next 3-6 months, but just cant afford them all together.
Here's my credit picture:
Equifax - 656
1 public record (shows as satisfied judgement back in 2002)
0 collections
4 once deliquent but satisfied accounts (all from college in 2000)
4 installment accounts in good standing (my student loans)
5 inquiries
2 revolving accounts (my CCs - Cross country and Cortrust bank - had both for 1 yr never late)
Total debt: $30,243
Transunion - 653
1 public record (shows as paid civil judgement back in 2002)
1 collection account (shows $0 balance, but not a paid status, should i dispute this? I paid it...it led to the judgement, but i paid it, but doesnt show paid, just $0 balance. will disputing it re-age it and lower my score?)
4 once bad/debt but paid after charge off (all from college in 2000)
4 installment accounts in good standing (my student loans)
11 inquiries ( yikes!!!)
2 revolving accounts (my CCs - Cross country and Cortrust bank - had both for 1 yr never late)
Total debt: $40,283 (this is the only bureau reporting one of my student loans from grad school, thats why balance is higher).
Experian - 635
0 public records
1 collections (shows as paid/was a collection account back in 2002)
5 once deliquent but satisfied accounts (all from college in 2000. extra one cause they show one of my student loans being 30+ days late during a break i took from school and forgot/didnt realize i had to put a deferement on my loans )
3 installment accounts in good standing (my student loans)
7 inquiries
2 revolving accounts (my CCs - Cross country and Cortrust bank - had both for 1 yr never late)
Total debt: $31,189
Some notes: The collection and civil judgement was from the same credit card (a citibank) i took out and couldnt pay in 2000 when i was a 17 and a sophomore. Is it fair that the same account appears in 3 negatives i.e my TU with the card, judgement and a collection?
Also, i just got approved for a Target Card (not sure if its visa or guest) with $500 limit. When it arrives, i will have 3 revolving accounts.
In any case, here's my current dilemna.
I need to know my chances of getting approved for
- A best buy card
- A circuit city card
- A JC Penneys card (for furniture)
- A Macys card
I live in NJ. Can anyone help me with the info about credit scores and bureaus pulled by state?
I know Macys pulls both experian and equifax in NJ. What about the others?
This is urgent because i am picking up my car on the 15th (got a $30,000 loan through Chase Manhattan ), and at the time, my credit scores may go crazy. I dont know if they will decrease or increase. I've been reading around and some people have reported different results. Some lost as many as 60 pts for a new car loan , some had no change, some gained points.
I need to apply for these cards before the 15th, while i still have these scores as is.
Thank you thank you thank you for all your kind advice!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullwinkle29
Posted: Sat Apr 08, 2006 8:50 am
Post subject:
i would call the credit companies and let them know of ANY ERRORS BIG OR SMALL. for your collections, they should be falling off soon, since some of them took place in 2000. honestly, i would'nt apply for any cards, let some of those inquies fall off. (2 years for hard)
Author: maddybeagle
Posted: Sat Apr 08, 2006 10:56 am
Post subject:
Quote:
Can anyone help me with the info about credit scores and bureaus pulled by state?
yahoo creditpull groups.
Author: TomfromCT
Posted: Sat Apr 08, 2006 2:58 pm
Post subject:
Shorty....
Allow me some leeway here but.... You credit isnt great and it was alot worse...
AND.. you plan to buy things you can't afford?
I'm sorry but....is there any real reason you think you won;t be in credit trouble again?
Credit is for people who dont NEED credit. If you NEED credit to buy thee basic things, my advice is buy some used stuff for cash or go without.
Forgive me for my boldness and any assumptions I am making - I mean well.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Sat Apr 08, 2006 8:31 am
Post subject: Need Cards urgently! Please help/advice.
I am in the process of rebuilding my credit. I am doing pretty well so far. My scores on all 3 CBs have climbed about 100 pts in the past yr.
I am moving end of this month and desperately need to get somne cards for furniture, electronics etc. I have a very good income and plan to pay them off within the next 3-6 months, but just cant afford them all together.
Here's my credit picture:
Equifax - 656
1 public record (shows as satisfied judgement back in 2002)
0 collections
4 once deliquent but satisfied accounts (all from college in 2000)
4 installment accounts in good standing (my student loans)
5 inquiries
2 revolving accounts (my CCs - Cross country and Cortrust bank - had both for 1 yr never late)
Total debt: $30,243
Transunion - 653
1 public record (shows as paid civil judgement back in 2002)
1 collection account (shows $0 balance, but not a paid status, should i dispute this? I paid it...it led to the judgement, but i paid it, but doesnt show paid, just $0 balance. will disputing it re-age it and lower my score?)
4 once bad/debt but paid after charge off (all from college in 2000)
4 installment accounts in good standing (my student loans)
11 inquiries ( yikes!!!)
2 revolving accounts (my CCs - Cross country and Cortrust bank - had both for 1 yr never late)
Total debt: $40,283 (this is the only bureau reporting one of my student loans from grad school, thats why balance is higher).
Experian - 635
0 public records
1 collections (shows as paid/was a collection account back in 2002)
5 once deliquent but satisfied accounts (all from college in 2000. extra one cause they show one of my student loans being 30+ days late during a break i took from school and forgot/didnt realize i had to put a deferement on my loans )
3 installment accounts in good standing (my student loans)
7 inquiries
2 revolving accounts (my CCs - Cross country and Cortrust bank - had both for 1 yr never late)
Total debt: $31,189
Some notes: The collection and civil judgement was from the same credit card (a citibank) i took out and couldnt pay in 2000 when i was a 17 and a sophomore. Is it fair that the same account appears in 3 negatives i.e my TU with the card, judgement and a collection?
Also, i just got approved for a Target Card (not sure if its visa or guest) with $500 limit. When it arrives, i will have 3 revolving accounts.
In any case, here's my current dilemna.
I need to know my chances of getting approved for
- A best buy card
- A circuit city card
- A JC Penneys card (for furniture)
- A Macys card
I live in NJ. Can anyone help me with the info about credit scores and bureaus pulled by state?
I know Macys pulls both experian and equifax in NJ. What about the others?
This is urgent because i am picking up my car on the 15th (got a $30,000 loan through Chase Manhattan ), and at the time, my credit scores may go crazy. I dont know if they will decrease or increase. I've been reading around and some people have reported different results. Some lost as many as 60 pts for a new car loan , some had no change, some gained points.
I need to apply for these cards before the 15th, while i still have these scores as is.
Thank you thank you thank you for all your kind advice!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bullwinkle29
Posted: Sat Apr 08, 2006 8:50 am
Post subject:
i would call the credit companies and let them know of ANY ERRORS BIG OR SMALL. for your collections, they should be falling off soon, since some of them took place in 2000. honestly, i would'nt apply for any cards, let some of those inquies fall off. (2 years for hard)
Author: maddybeagle
Posted: Sat Apr 08, 2006 10:56 am
Post subject:
Quote:
Can anyone help me with the info about credit scores and bureaus pulled by state?
yahoo creditpull groups.
Author: TomfromCT
Posted: Sat Apr 08, 2006 2:58 pm
Post subject:
Shorty....
Allow me some leeway here but.... You credit isnt great and it was alot worse...
AND.. you plan to buy things you can't afford?
I'm sorry but....is there any real reason you think you won;t be in credit trouble again?
Credit is for people who dont NEED credit. If you NEED credit to buy thee basic things, my advice is buy some used stuff for cash or go without.
Forgive me for my boldness and any assumptions I am making - I mean well.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 1:02 AM
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