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598 EQF score, 591 TU score, what CC is best?

Frequent Contributor

598 EQF score, 591 TU score, what CC is best?

Hi,

 

I don't have any revolving lines, a few baddies 2 years ago and no collections.  Everything else, mortgage, car loan on time for 2 years.  I have been told I need a revolving line to increase my score.

 

I don't want multiple dings on my score due to the inquiry so I need to know based on my scores what card I should apply for.  I can do a secured up to $500 if necessary.

 

I want a for sure approved card.  Any ideas?

Message 1 of 7
6 REPLIES
Frequent Contributor

Re: 598 EQF score, 591 TU score, what CC is best?

Try the Capital One pre-qualifier on their website.  If any unsecured cards come up, try for that.

 

Otherwise, Capital One has an excellent secured card program.  My roommate started at a $200 limit, which they increased to $300 after 6 months for no additional deposit.

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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 2 of 7
Frequent Contributor

Re: 598 EQF score, 591 TU score, what CC is best?

With that score and such, I woul try the Cap1 unsecured card for average credit. My scores are similar and they approved me. If they deny you, then apply for their secured card. I'm sure they'll use the same credit inquiry for it.

Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge
Message 3 of 7
Valued Contributor

Re: 598 EQF score, 591 TU score, what CC is best?


stanggt03 wrote:
With that score and such, I woul try the Cap1 unsecured card for average credit. My scores are similar and they approved me. If they deny you, then apply for their secured card. I'm sure they'll use the same credit inquiry for it.

+1

 

Best of Luck, let us know how it goes!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 4 of 7
Frequent Contributor

Re: 598 EQF score, 591 TU score, what CC is best?

It took me a long time to decide to apply for Cap1 because I was not matched with a prequal offer. So try the prequal, but don't be discouraged if you're not in there. You still have a good chance of qualifying. I'm less than a year out of BK and had only 1 CC showing which was close to max, and several inquiries.

Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge
Message 5 of 7
Established Member

Re: 598 EQF score, 591 TU score, what CC is best?

Public Savings Secured card has no credit checks, its a good card to start out with, until you get your scores up higher, that's what I'm using now, I put a credit limit of $500.00 but you can do $200.00 or higher if you wanted too

Message 6 of 7
Established Contributor

Re: 598 EQF score, 591 TU score, what CC is best?

Hsbc and credit one also have pre approval checks on their websites.

Too many to list..
Message 7 of 7