Pelase Help Credit Card And Score Questions

[NUVVU]

ee post already padithe sorry bros...but naku questions unnayi ee topic lo experts and experience bro please help

 

1) pre approved Amex card offer vachindi

2) only bofa undi naku ippudu and Credit Karma lo 710 chupisthundi

3) Amex card approve avuthundi anukunte naa scor entha thaguthundi card apply chesthe inka adi malli back to orginal scrod ravataniki entha time paduthundi..enduku ante nenu car kondam anukuntunna daniki idi effect isthundi in next 3 months lo 

[errigaadu]

ee post already padithe sorry bros...but naku questions unnayi ee topic lo experts and experience bro please help

 

1) pre approved Amex card offer vachindi

2) only bofa undi naku ippudu and Credit Karma lo 710 chupisthundi

3) Amex card approve avuthundi anukunte naa scor entha thaguthundi card apply chesthe inka adi malli back to orginal scrod ravataniki entha time paduthundi..enduku ante nenu car kondam anukuntunna daniki idi effect isthundi in next 3 months lo 

eppudaite car kondam anukuntunnavo, appude credit card kooda apply cheyyi,

 

so that neeku okate hard enquiry kinda vastadi..

 

so credit score taggina okesaari taggutadi..malli 3 months lo back techukovachu

[NUVVU]

eppudaite car kondam anukuntunnavo, appude credit card kooda apply cheyyi,

 

so that neeku okate hard enquiry kinda vastadi..

 

so credit score taggina okesaari taggutadi..malli 3 months lo back techukovachu

thanks bhayya for suggestion....car inko 3 months lo anukuntunde but not confirm..so nuvvu annatu 3 months lo back techukovachu ante you mean any hard hit on credit history?

[errigaadu]

thanks bhayya for suggestion....car inko 3 months lo anukuntunde but not confirm..so nuvvu annatu 3 months lo back techukovachu ante you mean any hard hit on credit history?

yes hard enquiry padtadi..

 

but credit cards and car oke time lo teesukunte..okate hard enquiry la consider ayitadi..

 

 

vere vere times lo teesukunte..it considere as 2 hard enquiries..

 

still LTT for experts

[BRS]

9 points for 1 hard enquiry. I suggest apply for the card and the car within 60 days.

[phatposts]

That is wrong. 

Credit card and car inquiry ki separate gaa multiple hard inquiries padatayi. 

Car shopping lo vesina inquiries anni consolidated gaa okkati & enni cards ki apply chesavo anni inquiries padatayi.

But avi report lo appear avvataniki time padutundi kabatti (from 2-3 days) providers ki consideration lo inni simultaneous inquiries unnattu teliyaka povachu. Teliyaka povachu ani enduku annanu ante, recent gaa ee updates almost real time lo kooda vastunnayi but I dont have solid source on that.

Em credit card apply chestunnav? Enduku apply chestunnava adagocha?

 

Good Luck.  

[rikki]

no dude both will be considered separate

eppudaite car kondam anukuntunnavo, appude credit card kooda apply cheyyi,

 

so that neeku okate hard enquiry kinda vastadi..

 

so credit score taggina okesaari taggutadi..malli 3 months lo back techukovachu

 

[agarbatti]

Citi forwards card tesuko man.. amex is not good

ee post already padithe sorry bros...but naku questions unnayi ee topic lo experts and experience bro please help

 

1) pre approved Amex card offer vachindi

2) only bofa undi naku ippudu and Credit Karma lo 710 chupisthundi

3) Amex card approve avuthundi anukunte naa scor entha thaguthundi card apply chesthe inka adi malli back to orginal scrod ravataniki entha time paduthundi..enduku ante nenu car kondam anukuntunna daniki idi effect isthundi in next 3 months lo 

 

[KharjuraNaidu]

Wait till you are sure on purchasing car... Apply both same time.

 

Naaku idhi teliyaka pedda bisket ayyindi..

 

Car loan 0.99% aprove ayyindi... 2 months wait chesi car konataniki decide ayyi loan apr chooste 4.99% ki poyindi.

 

Endhuku ani aara teeste 1 mont mundu Amex card apply chesa  :3D_Smiles_38:

[Chitti_Robo_Rebuilt]

Car appudu card kooda teesuko 2 enquiry lu padinaa car ki problem kaadu

[rikki]

agreed with other except bold any hit to a bank no matter if you have done on that very same minute or day it will be reported to CB as separate no diwali offers here

That is wrong. 

Credit card and car inquiry ki separate gaa multiple hard inquiries padatayi. 

Car shopping lo vesina inquiries anni consolidated gaa okkati & enni cards ki apply chesavo anni inquiries padatayi.

But avi report lo appear avvataniki time padutundi kabatti (from 2-3 days) providers ki consideration lo inni simultaneous inquiries unnattu teliyaka povachu. Teliyaka povachu ani enduku annanu ante, recent gaa ee updates almost real time lo kooda vastunnayi but I dont have solid source on that.

Em credit card apply chestunnav? Enduku apply chestunnava adagocha?

 

Good Luck.  

 

[phatposts]

agreed with other except bold any hit to a bank no matter if you have done on that very same minute or day it will be reported to CB as separate no diwali offers here

Write a letter to the CB and see what the response from them is going to look like. I had the same impression and after seeing 11 different inquiries from the dealer I panicked. Contact the bureaus and get them to respond to you via email or US Mail. You will see that then.

[rikki]

so you saying you still see 1 record on your credit report?

Write a letter to the CB and see what the response from them is going to look like. I had the same impression and after seeing 11 different inquiries from the dealer I panicked. Contact the bureaus and get them to respond to you via email or US Mail. You will see that then.

 

[phatposts]

so you saying you still see 1 record on your credit report?

I see multiple. But when they all will be treated as inquiries for one purchase. When you apply for a new credit (like card, loan etc) all those inquiries will be treated for one purchase but not multiple requests for line of credit. I saw multiple on my credit file, panicked spoke to the dealer. After not trusting the dealer, I spoke to Equifax and sent a letter to them in writing. Their response was that all of them will be treated as one. 

But not all dealers do the right way ani chepparu equifax vaallu. 

[rikki]

I had multiple enquires too around 8-10 all hit at the same time..just like you said on my CB it should multiple enteries however if I have to think all of them were considered into single check i couldnt coz my score was as badly hit as a small bomb and big bomb.. i had hard checks removed though tats a diff story

I see multiple. But when they all will be treated as inquiries for one purchase. When you apply for a new credit (like card, loan etc) all those inquiries will be treated for one purchase but not multiple requests for line of credit. I saw multiple on my credit file, panicked spoke to the dealer. After not trusting the dealer, I spoke to Equifax and sent a letter to them in writing. Their response was that all of them will be treated as one. 

But not all dealers do the right way ani chepparu equifax vaallu.