tejemaneje Posted September 27, 2008 Report Share Posted September 27, 2008 My equifax score 590 ( poor )transunion 659 ( fair )experian 648 ( fair )My credit is only 9 moths old.But I have 7 accounts.Bloomingdales 200 $two capital one 750 and 1000 $orchard visa 750 $wamu visa 2.000 $kays jewerly 3.000 $chase 400 $Wich credit card offer is good for my situation? 1 Link to comment Share on other sites More sharing options...
tejemaneje Posted September 27, 2008 Author Report Share Posted September 27, 2008 I dont have any late payments, but in equifax I have 13 inquires.Too many inquires for banks who pulls Equifax reports/Thank you for your help !! Link to comment Share on other sites More sharing options...
thegame26 Posted September 28, 2008 Report Share Posted September 28, 2008 I wouldn't worry about getting more right now. You've got 2 capital one's and a wamu so you're going to be building your score. Give it another 6-8 months before you think about getting more.That being said, if your that desperate for another card Target cards are generally pretty eash to get. And since you have a Kay's card you can get a the rest of the trifecta. 1 Link to comment Share on other sites More sharing options...
tejemaneje Posted September 28, 2008 Author Report Share Posted September 28, 2008 Sorry for my ignorance , what it is a trifecta ?Thanks a lot for your help I m new on this... Link to comment Share on other sites More sharing options...
Dre Posted September 28, 2008 Report Share Posted September 28, 2008 Sorry for my ignorance , what it is a trifecta ?Thanks a lot for your help I m new on this......basically all the credit cards associated with Crown Jewlers. I believe there are 3 credit cards you can apply for. Also, conduct a search for "Crown Jewlers." Good luck with everything! 1 Link to comment Share on other sites More sharing options...
AboveAverage Posted September 28, 2008 Report Share Posted September 28, 2008 ...basically all the credit cards associated with Crown Jewlers. I believe there are 3 credit cards you can apply for. Also, conduct a search for "Crown Jewlers." Good luck with everything!NO, Crown Jewelers has NOTHING to do with the "Sterling Trifecta".The Sterling Trifecta represents Kays, Jareds and JB Robinson. Basically, your 3000 Kays will give you 3000 Jareds and 3000 JB Robinson, making you appear that you have 9000 in available credit. You will only have 3000 internally with Sterling, however. So for example, if you use 1500 with Kays, you only have 1500 left with Jareds and JB Robinson. But the reason it is coveted is because it helps with your OVERALL credit utilization. Link to comment Share on other sites More sharing options...
AboveAverage Posted September 28, 2008 Report Share Posted September 28, 2008 While you are waiting about a few months for credit, try to get a "secured loan" so you can add installment loans to your mix. Do a search on what I put in quotes as well. Link to comment Share on other sites More sharing options...
sdott313 Posted September 28, 2008 Report Share Posted September 28, 2008 you should try to let your accounts age before overloading it with another card 1 Link to comment Share on other sites More sharing options...
tejemaneje Posted October 1, 2008 Author Report Share Posted October 1, 2008 Thank you !!!My equifax score 590 ( poor )transunion 659 ( fair )experian 648 ( fair )My credit is only 9 moths old.But I have 7 accounts.Bloomingdales 200 $two capital one 750 and 1000 $orchard visa 750 $wamu visa 2.000 $kays jewerly 3.000 $chase 400 $Wich credit card offer is good for my situation? Link to comment Share on other sites More sharing options...
tejemaneje Posted October 1, 2008 Author Report Share Posted October 1, 2008 Thank you !!...basically all the credit cards associated with Crown Jewlers. I believe there are 3 credit cards you can apply for. Also, conduct a search for "Crown Jewlers." Good luck with everything! Link to comment Share on other sites More sharing options...
tejemaneje Posted October 1, 2008 Author Report Share Posted October 1, 2008 Thank you I will save the info to apply for it.NO, Crown Jewelers has NOTHING to do with the "Sterling Trifecta".The Sterling Trifecta represents Kays, Jareds and JB Robinson. Basically, your 3000 Kays will give you 3000 Jareds and 3000 JB Robinson, making you appear that you have 9000 in available credit. You will only have 3000 internally with Sterling, however. So for example, if you use 1500 with Kays, you only have 1500 left with Jareds and JB Robinson. But the reason it is coveted is because it helps with your OVERALL credit utilization. Link to comment Share on other sites More sharing options...
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