Which card is easy to get with lots of inquries?

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fixmycredit92
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Which card is easy to get with lots of inquries?

Postby fixmycredit92 » Thu Sep 11, 2014 8:14 pm

Hello, I am new to this forum. I post at some other forums but they give bad advice and someone said this was a good place to go for information.

I am looking for a few more cards to help me rebuild. Which cards do not care if I have lots of hard pulls? I have applied for around 2-3 cards every week since around March.

Thanks in advance.


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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Sep 11, 2014 11:38 pm

In another thread, you say you have a secured Discover. And in yet another thread, you say you want an Amex.

2.5 pulls per week, about 4 weeks per month, for about 5.5 months. That equals about 55 applications for credit. If each card pulls, on average, two bureaus, then each bureau probably has about 36 pulls in the last 5.5 months. That's about 6.5 pulls per month on each report.

When Amex gave me a BCE a few months ago, they thought I had enough pulls on Experian to merit some concern. They mentioned it in their approval letter, and gave me a short period at 0% to follow with their highest regular APR. I had four pulls before that on Experian, which has the most, since 11/13. That's about 0.38 pulls per month.

Your credit gets pulled about 17 times as often than mine does, and my application frequency is enough to worry issuers. I think the important thing is not to find who doesn't care about pulls, but to wake up and realize you need discipline, and to not apply for anything and everything you see.

Consider yourself very fortunate to have a secured Discover, and don't apply for anything else, at all.

Your Discover, a debit card, and cash should be all you use for now until you have a healthy approach to credit.
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PlyrStar93
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Postby PlyrStar93 » Thu Sep 11, 2014 11:55 pm

So if you would like to rebuild, there are some things to consider.

-How many tradelines do you have?
From your other post you indicated that you already have a secured Discover, which can be helpful to build credit.

You may or may not have other active tradelines, but with "a lot of" inquiries, assuming those being able to occupy whole page on your credit report, you probably want to stop applying credit.

-Stop applying for credit
I don't know if there are other prime lenders don't care about lots of hard pulls. Maybe someone knows.

Yeah if the inquiry is that situation, then please, do stop trying to get new credit. With at least one active tradeline it's enough to build or rebuild, so if you want to get new credit for now in order to rebuild then it totally doesn't make sense.

Do keep in mind that whether approved or denied, there will be new inquiries listed on your credit report, which makes it further difficult for you to improve. If you do get approved for a new account, your AAoA will also take a hit (even without considering inquiries), then your score still drop.

-Derogatory?
If you do have a lot of bad things on your report, there really is not much you can do, unless they are inaccurate. If they are accurate, then you most probably have to wait for them to fall off, which do can take years.

For collections or so, you may have chance to settle. Negotiate a pay-for-delete can be nice and helpful. This may or may not increase your score a lot, depending on other derogatory marks.

For public records like BK, you have to wait. The good news is that after some years even if some creditors still won't approve you due to BK, the impact on score for BK can drop, so you have to give some time to deal with those.

-How bad other advices are?
Indeed others ideas, including mine, may or may not be helpful or practical to you. Other advices may work for some people but not work for another group. Building and/or rebuilding can always be YMMV, so just try to do what is good for improving score-like removing derogatory and inquiries, as well as increasing your positive history and AAoA. Eventually, provided that you don't have new bad thing added to credit report, you should be fine but that does take time.

What I do see is that you have a lot of inquiries and lenders can see that as a risk, then deny your request for credit, and new inquiries added and on. This is a vicious cycle which you certainly need to stay away from. For bad marks on your credit report I don't know anything so what I wrote above concerning derogatory is purely speculation and assumed you having collections and/or public records (which you actually may not have).
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popamode72
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Postby popamode72 » Fri Sep 12, 2014 6:53 am

Guys, just be careful when giving advice to this guy. He's got quite a history even to the point where CreditAddict over at MyFico was telling him to stop apping for cards for a while and freeze his reports if he had to and that was many many months ago. Don't be surprised if you don't pull your hair out in the process trying to reason with him. Just saying.

http://creditboards.com/forums/index.php?app=core&module=search&do=user_activity&mid=136760&search_app=forums&userMode=title&sid=45d489ed8e1bbc90c94a308719bd1a31&search_app_filters[forums][searchInKey]=&search_app_filters[forums][sortKey]=date&st=75

http://creditboards.com/forums/index.php?showtopic=523136&hl=

http://creditboards.com/forums/index.php?showtopic=523122

http://creditboards.com/forums/index.php?showtopic=523406&hl=

http://creditboards.com/forums/index.php?showtopic=527105&hl=

http://creditboards.com/forums/index.php?showtopic=524418&hl=

http://creditboards.com/forums/index.php?showtopic=523638&hl=

(he's posted a ton over at Credit Boards too and if you have an account there, you can see all the stuff he's tried to ask about there too or just do a quick google search of his name and find some of the stuff)

http://ficoforums.myfico.com/t5/user/v1/viewprofilepage/user-id/747735

http://ficoforums.myfico.com/t5/forums/recentpostspage/post-type/message/user-id/747735

He claims to have already gone on a TU app spree and gotten a bunch of store cards just recently.

Here's what I've probably said many many many times to you, FMC1992:

Stop apping for cards all the time.

Work with the ones you have for a long time and for at least six months or greater if you want to app for another card again.

Use the advice countless people have given you over at all three websites because the advice given here is quite similar to what others have tried to tell you.

You're only shooting yourself in the foot each time and making yourself look highly desperate for credit in the eyes of lenders.

There you go, it's not rocket science. Patience is key. Shortcuts are not gonna get you where you wanna be because even if you claim to have a method of "zapping" TU inquiries, a lot of times, the lenders can still reject you other reasons, especially for having new accounts, etc.

I mean you even have a card with Barclays now and that's not enough for you to just take a break for a while. Seriously. All this advice is just useless if you're never going to actually follow any of it based on all the stuff you've posted in the past.
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takeshi
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Postby takeshi » Fri Sep 12, 2014 9:42 am

fixmycredit92 wrote:I am looking for a few more cards to help me rebuild. Which cards do not care if I have lots of hard pulls? I have applied for around 2-3 cards every week since around March.

There's just too much wrong with this OP to even know where to begin. It's not just a matter of finding a creditor that doesn't care about inquiries. At some point they all care regardless of one's credit profile. Desperately seeking credit like that is a major red flag.

fixmycredit92 wrote:I post at some other forums but they give bad advice and someone said this was a good place to go for information.

You seem to be confusing "bad" with "I don't like". At some point you'll run into a reality check.

popamode72
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Postby popamode72 » Fri Sep 12, 2014 10:39 am

popamode72 wrote:Guys, just be careful when giving advice to this guy. He's got quite a history even to the point where CreditAddict over at MyFico was telling him to stop apping for cards for a while and freeze his reports if he had to and that was many many months ago. Don't be surprised if you don't pull your hair out in the process trying to reason with him. Just saying.

http://creditboards.com/forums/index.php?app=core&module=search&do=user_activity&mid=136760&search_app=forums&userMode=title&sid=45d489ed8e1bbc90c94a308719bd1a31&search_app_filters[forums][searchInKey]=&search_app_filters[forums][sortKey]=date&st=75

http://creditboards.com/forums/index.php?showtopic=523136&hl=

http://creditboards.com/forums/index.php?showtopic=523122

http://creditboards.com/forums/index.php?showtopic=523406&hl=

http://creditboards.com/forums/index.php?showtopic=527105&hl=

http://creditboards.com/forums/index.php?showtopic=524418&hl=

http://creditboards.com/forums/index.php?showtopic=523638&hl=

(he's posted a ton over at Credit Boards too and if you have an account there, you can see all the stuff he's tried to ask about there too or just do a quick google search of his name and find some of the stuff)

http://ficoforums.myfico.com/t5/user/v1/viewprofilepage/user-id/747735

http://ficoforums.myfico.com/t5/forums/recentpostspage/post-type/message/user-id/747735

He claims to have already gone on a TU app spree and gotten a bunch of store cards just recently.

Here's what I've probably said many many many times to you, FMC1992:

Stop apping for cards all the time.

Work with the ones you have for a long time and for at least six months or greater if you want to app for another card again.

Use the advice countless people have given you over at all three websites because the advice given here is quite similar to what others have tried to tell you.

You're only shooting yourself in the foot each time and making yourself look highly desperate for credit in the eyes of lenders.

There you go, it's not rocket science. Patience is key. Shortcuts are not gonna get you where you wanna be because even if you claim to have a method of "zapping" TU inquiries, a lot of times, the lenders can still reject you other reasons, especially for having new accounts, etc.

I mean you even have a card with Barclays now and that's not enough for you to just take a break for a while. Seriously. All this advice is just useless if you're never going to actually follow any of it based on all the stuff you've posted in the past.


Typo: Don't be surprised if you pull your hair out in the process.....

And I completely agree with takeshi here.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

OldMan
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Postby OldMan » Fri Sep 12, 2014 11:32 am

fixmycredit92 wrote:I am looking for a few more cards to help me rebuild. Which cards do not care if I have lots of hard pulls? I have applied for around 2-3 cards every week since around March.


Uhm.......... I'm wondering if you actually understand the term "rebuild", cause it looks like you're trying to rebuild a broken wall with a hammer. Adding cards will help with utilization and number of accounts, but they destroy the AAoA and the added hard pulls are more than offsetting any benefit that you'd receive for the new card.

Just a thought, but you might want to listen to some of that "bad" advice and stop and do a reality check.
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sicasun
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Postby sicasun » Fri Sep 12, 2014 11:48 am

fixmycredit92 wrote:I am looking for a few more cards to help me rebuild. Which cards do not care if I have lots of hard pulls? I have applied for around 2-3 cards every week since around March.

I'm sorry if this comes off as rude, but your statement is making me cringe at the irony for it.
The amount of pulls on your record is probably going to bar you from any credit until 2 years in September anyway. Just stop and take a break.

I can't decide if you're for real or just a troll, but please start listening to people's advice, especially if almost everyone across multiple forums have repeated the same thing.

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nismoZtuner
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Postby nismoZtuner » Fri Sep 12, 2014 2:44 pm

since march! damm

so you have had about 21-25 HPs to date?
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
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popamode72
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Postby popamode72 » Fri Sep 12, 2014 2:51 pm

nismoZtuner wrote:since march! damm

so you have had about 21-25 HPs to date?


I'm starting to think he's one of the greatest trolls ever. Talked specifically about him before in the Gardening Cult thread.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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