Kaido wrote:Currently my FICO score is showing 700, and my trans and eqf are showing 700 (according to credit karma).
Always consider the specific scoring model & CRA as well as the relevance of a given combo to a creditor. Which FICO model? Which CRA? CK's VantageScores are not relevant unless you know you have or intend to apply with a creditor that actually uses them. You cannot use a score generated by one model to determine a score generated by a different model.
Kaido wrote:My concern is that my credit score only shows 2 years history. Should I wait longer? Will it really hurt to apply?
Kaido wrote:Apply in Jan, or wait?
I have no idea what your odds of approval might be. As for hurt, whether approved or not you'll incur a hard pull. If approved, you'll reduce your AAoA. It's really your call to make. How new are all these accounts? Obviously less than 3 years but what's new in the past year?