Thanks to everyone !! Family is going through a rough period so we really appreciate all your help ! Following is the results . My one question is should I delete CapOne ? As you can see their CL is really weak compared to the others . Wish now I hadn't wasted the inqs , I got so many offers from them , I thought they be much better , but what can you do ? Please feel free to give advice as to how to avoid any pitfalls I may not have seen for the future . Very Scared of Barclays at this point . I feel I'll be walking on eggshells and double checking any transactions I would do with them . Experian shot up to 804 today from 763 yesterday . Don't know if its because Discover has started reporting , or because it's a new Fico8 ? Gardening for a year or two depending on what I learn .
This is my first round of apps in 10 years . More than thrilled with the results as follows last week :
Amex Blue Cash Back - $13.5
Amex Blue $7k
Discover IT -$10k
Chase -$6K
BOA -$5k
PenFed -$9k
After these California apps :
Eq -763 3 inqs 1 for Disc 2 are from Penfed -Penfed rep said 1 inq may be soft but it seems it shows as hard on EQ - As an "inquiry that will affect your credit . Two accounts 29 years old (closed) One Account 15 years (closed) 2 active accounts -One as an authorized user dated 2011 CL 13.5 . One a secured personal loan $500 8 months old .
Ex -763 - 4 inqs 2 for Amex , 1 for Chase 1 for BoA . One account 29 years old (closed) One Account 15 years (closed) 2 active accounts -One as an authorized user dated 2011 CL 13.5 . One a secured personal loan $500 8 months old .
TU - 708 0 inqs I had to freeze TU because they deleted a Positive Account (Us Bank authorized user , 2011 , 13k limit ) and haven't put it back yet . 3 weeks ago , before they deleted score was 764 . Only one open account now - One a secured personal loan $500 8 months old . One closed account 15 years old . Need to request TU to add some Positive accounts I have .
No Baddies on all CRA . 29 years Job history & residence . Home paid off .
Today : Unfroze TU . At this point score is the same after Barclay , USbank , Capone apps .
Capone inqs with all three . Barclay 1 TU . NO USBANK inquiry yet
Barclay Ring - $7500
USBank - Being Reviewed
Capone $2000
Thanks eveyone for the generous help and support . Can't believe how well it's been turning out . And definetely plan to pay it forward with the stuff I've learned .