Trying to get ready for home loan.. Should I apply for more credit

My plans are to apply for a home loan in January, currently I have 1 line of credit 1 cc3 installmentIs it okay to apply for more cards, I have always heard not to apply for new credit before you apply for a home loan, but I need points. The baddies are portfolio recovery 672 I am going to pay them then try to gw for deletion My mortgage scores are TU 627EQ 595EX 653 Is the cap one a soft pull, the one you enter your info to see which card you qualify for? I understand I will lose a few points, but when the new credit card reports I may get more points? Thanks Thanks

What's your AAOA now and how many inquiries do you have on your reports from how long ago? Not sold on getting a third card sixish months before a mortgage, LOC + CC should max out most of the score card anyway, you might get a few more points having three for reindeer games but it's not really optimal. I'd probably solve it with a $250 secured card from SDFCU if I were going to do it personally, or go beg for an AU if you have that option. Try to get a PFD for the collection if you can, paying and then GW could be tough. That said with a 2010 forum registration date would've expected your scores to be higher than that, the one collection is really all you have derogatory wise?

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Hello, My BK7 was discharged in late March. I just applied for Express and New York & Co store cards using this link http://www.doctorofcredit.com/shopping-cart-trick-get-credit-cards-without-the-hard-pull/ This link contains a list of retail cards you can get with a SOFT PULL!! Just go to the retail site, put items in your cart, go to checkout. If a card invitation pops up, click on it and be sure to use the same address that's on your credit report. The application only asks for the last 4 of your SS. Since I recently moved, I entered my old address and immediately after approval called customer service to update my address and find out the credit limit. Each account has a $250 limit. I think this is a good way to avoid secured cards or worse yet, cards like 1st Premier and Credit One with outrageous rates. My cards will arrive any day now! With proper usage of these accounts and my student loans reporting good payment history, I expect to receive unsecured offers in a few months.

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Hello, we are hoping to buy end of this year. We have been working on raising our credit score to get qualified. The builder we like in our town uses a preferred lender, we were thinking of applying now just to see if it's even possible to get a mortgage with them and/or any suggestions they may have to get qualified. The preferred lender is Pulte Mortgage. Will this hurt our credit score significantly? any advice would be appreciated! Thanks

Right now I only have Cap One $700, Credit One $1k, Vs $350 and just got approved for Discover $1400...... I closed my Cap One last year b4 I started looking on this site.. My Vs was open May 2015, My Credit One was open for almost 2yrs ago. My curent scores are in my Sig..... Should I apply for another store card or anything to help build or just leave what I have? I've had a total of 5 Auto loan, one I'm still leasing, 2 personal loans from CU, and pay as agreed student loan...... all good accounts never late.....I have one issue on my TU but score just updated to 682 fico 8........ no issues on EQ 655 fico 8 but everything was not reported like my Bmw lease that's open now and a few others...... my Ex is frozen which is my lowest score with 2-3 issues. Any advice is appreciated!

How many cards should I apply for ?

So, recently, I applied for 2 new cards ( both with capital one) and got approved for both ( credit score is 621). Currently, I have 5 inquries on my credit report, hence, I'm wondering should I apply for one additiona card? Alternatively, should I simply build my scores higher in order to get a better card in the future? Thanks!

SuperMarioTex wrote:
Sure! Experian is 621, and 602, 600 ( Trans/Eq). Currently, I have a Wells Fargo Secured Card ( $300 Limit), which is almost 3 years old (long time for secured I know). The two new capital one cards both have $1,000 limits. I still have 3-4 baddies ( small amount med collections) that I will get removed within in the next 2-3 months via PFD. Additionally, I have a judgement ($1,800), which is 6 years old reporting on both Trans/EQ. Thanks for the detailed info. Don't apply for any more cards until the 3-4 baddies come off your report in the next 2-3 months. Once those come off, you will see a rise in score which will make you be able to get some really good cards. For now, work on the baddies. Congrats on the 2 CAP 1 approvals...

Should I apply for another store card?

MssRemaa wrote:
Right now I only have Cap One $700, Credit One $1k, Vs $350 and just got approved for Discover $1400...... I closed my Cap One last year b4 I started looking on this site.. My Vs was open May 2015, My Credit One was open for almost 2yrs ago. My curent scores are in my Sig..... Should I apply for another store card or anything to help build or just leave what I have? I've had a total of 5 Auto loan, one I'm still leasing, 2 personal loans from CU, and pay as agreed student loan...... all good accounts never late.....I have one issue on my TU but score just updated to 682 fico 8........ no issues on EQ 655 fico 8 but everything was not reported like my Bmw lease that's open now and a few others...... my Ex is frozen which is my lowest score with 2-3 issues. Any advice is appreciated!You don't need another store card. Just use what you have

Right now I only have Cap One $700, Credit One $1k, Vs $350 and just got approved for Discover $1400...... I closed my Cap One last year b4 I started looking on this site.. My Vs was open May 2015, My Credit One was open for almost 2yrs ago. My curent scores are in my Sig..... Should I apply for another store card or anything to help build or just leave what I have? I've had a total of 5 Auto loan, one I'm still leasing, 2 personal loans from CU, and pay as agreed student loan...... all good accounts never late.....I have one issue on my TU but score just updated to 682 fico 8........ no issues on EQ 655 fico 8 but everything was not reported like my Bmw lease that's open now and a few others...... my Ex is frozen which is my lowest score with 2-3 issues. Any advice is appreciated!

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See:
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See also this forum thread about BearShare:
* [/questions/792580]

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sweetdreams wrote:
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In terms of limits, everyone is different but I think Citi gives higher limits without HPs for CLIs Great, thanks for sharing your experience, I had a look at my current BT offers in citibank and they are not that good the best deal is 18 months and 2.99% APR during that period of time. I have the thank you CC 20k CL this one is my first and oldest CC, I applied for the diamond cc about 8 months ago I got only 7.6K CL so that's my fear with citi and get a little CL than the diamond, as for BofA I got no idea of the minimu I could expect, I have read the minimum is $500 which for me knowing that is not attractive to apply for it

Pre-Qual'ed for Amex Gold and Gold Premier, but i want Platinum. Should i apply for Platinum?

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Irish80 wrote:
slipper wrote:
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With out goods issue for order system should not allow for order confirmati

Dear all
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Regrads
Srinivas

Dear ,
In some cases we required to do confirmation or TECO without GI .
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Capital One Platinum Card...Should I apply for a Quicksilver next month also?

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https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V01.aspx

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Is there any critical patch collection should i apply for project costing?!

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drvbasic wrote:
Hi,I have about 6500 in credit card debt with no baddies. About 55% utilization. I am thinking about applying for a card to transfer my balance over @ 0%. Scores are 660,663,666. What do you guys recommend?Have you requested a CLI with the current card? Who is it with? What is the current APR? Have you contacted them to see if they would lower your APR (cap1 does this frequently) in the mean time?(Balance transfers take 7 days to a month!) Request CLI on all other cards. What other cards do you have? Your scores are good enough for Amex ...possibly. See if they prequal you for 0 for 15months. Doubt they would give you a limit higher than 5k. you could split it between two new cards? I would say 6500 is not quite enough for a consolidation loan. What do you fellow myficoers think? Worst case scenario, your credit takes a hit for opening a new account, the new limit will lower your total UTIL, so may see it go up, but when you do the BT it will swing back a bit, but overall you could be higher than lower with scores. Transfer it all to the new card, pay it down fast, and you may be surprised at the results. Your inquiries are high now, so you could just be forced to app for cap1. Only the qs, qs1, venture1, and prestige will offer 0% interest. Leave capital one as a last resort because they wont care about adding 1 or 2 more inquiries...Venture1 will have the higher limit most likely so do that first.

Trying to get ready for home loan.. Should I apply for more credit

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