Guys, Before you think about chancing inquiries, let me be your ginnie pig. I read through old post how people got Generations and Fleet credit cards with TU scores above 660 or so. I applied for both and got denied for both. I have a 3 year old Cap One charge off and the rest is clean. My score was around 685-690 (can't remember). Reasons for denial: serious delinquency no recent revolving credit history The good thing is the Banks can kiss my a$$. I've learned to live off cash and manage it well plus I got my new house. I'mworthknowing the hell outta these inquiries till they come off.
i love the second one (standard) gee, if everyone denied for that no one would ever be able to get a credit history... i am expecting that one too though, i've managed to sack the majority of my baddies, and the majority of my credit report are positive deferred (and paid, and sold) student loans... of course, i also had one expensive semester, one of my transferred and sold student loans appears to have been $23000+. woooah!, that semester was expensive... of course, i don't touch a positive tradeline even if it'ld say that it was a million dollar tuition for the semester... something tells me there was a computer error somewhere along the way...
Sorry to hear about the denials. I have been very careful NOT to apply for anything but I am now finding myself in the position of needing more positive tradelines. It looks like I will soon have to play the application game
