Reply
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: 6 months history clean equifax. What cards can I get?

Whatever card you going to apply. You going to get some messy low toys limit from $300 to $1000. Wait till your score went up in mid 600" then you should see something around 2k and process the limit increase faster. Credit is all about patient and right time. Hope you understand. But you do your own things man. Everyone had a different theory and needed for their credit style. Wish you luck thou. 

 

PS: I research almost 3 months before i went to my app. I know who they going to pull and my % of getting approved but still wrong about Amex and Discover which cost me addition 3 HP .


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Contributor
Posts: 78
Registered: ‎07-01-2012
0

Re: 6 months history clean equifax. What cards can I get?

Didn't see your other post.  But yes you are most likely correct.  I'm trying to be patient.  I'm going to check my scores and go from there in Dec.  I also want Walmart card so I might just apply for that then garden for 6 more months and try prime lender then.  Thanks for your help.

Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: 6 months history clean equifax. What cards can I get?


jconvinced wrote:

I'm thinking of applying for discover more student or citi dividend student in December.  Hopefully they pull EQ or even EX and approve me.


I highly recommend the Discover More Student for you...even though my brother had no baddies, after a little over 6 months history he applied with just a $5500 student loan and a Capital One Journey with either $500 or $750 at the time and got a $5000 limit on his Discover Open Road Student! He did receive a preapproval/preselected letter in the mail and we used that to apply. Just make sure in the job description you put you're a student!

 

Best of luck!

 

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749
Contributor
Posts: 78
Registered: ‎07-01-2012
0

Re: 6 months history clean equifax. What cards can I get?


daybreakgonesXe wrote:

jconvinced wrote:

I'm thinking of applying for discover more student or citi dividend student in December.  Hopefully they pull EQ or even EX and approve me.


I highly recommend the Discover More Student for you...even though my brother had no baddies, after a little over 6 months history he applied with just a $5500 student loan and a Capital One Journey with either $500 or $750 at the time and got a $5000 limit on his Discover Open Road Student! He did receive a preapproval/preselected letter in the mail and we used that to apply. Just make sure in the job description you put you're a student!

 

Best of luck!

 


Thanks.  Yes it's tempting I'm going to get my EQ an TU scores and go from there. 

Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: 6 months history clean equifax. What cards can I get?


daybreakgonesXe wrote:

jconvinced wrote:

I'm thinking of applying for discover more student or citi dividend student in December.  Hopefully they pull EQ or even EX and approve me.


I highly recommend the Discover More Student for you...even though my brother had no baddies, after a little over 6 months history he applied with just a $5500 student loan and a Capital One Journey with either $500 or $750 at the time and got a $5000 limit on his Discover Open Road Student! He did receive a preapproval/preselected letter in the mail and we used that to apply. Just make sure in the job description you put you're a student!

 

Best of luck!

 


When your brother applied for the Open Road, was he already paying his student loan? Your post seems to imply that your brother was still in college.

 

Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: 6 months history clean equifax. What cards can I get?

 He was (and still is) in college and no, he is currently not making payments on the loan. It's deferred until graduation, but still reflects positive history on his report Smiley Happy

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: 6 months history clean equifax. What cards can I get?

[ Edited ]

nicholasyud wrote:

jconvinced wrote:

What did they pull for discover?


Discover usually pull TU . Well sometime EQ depend on many other factors.

 

To be honest, I dont think its should be a better idea to apply for anything right now. Other prime CC company want to see how you handle big money other than $200 #300 and $300 credit line. I would going to deposit more on one of your account to maybe 1k to 3k depend on how much you can afford. Use it for another 6 months then apply for some Prime CC like Discover,Amex, City you name it.

 

One years credit history should look good on CC company eyes....and high secured CC limit would make them feel safe to offer you some meanful limit rather than those small credit limit you had with all 3 cc.

Here are some CC website you can look up for what database they pull :

Modedit

 

whogavemecredit.com


Good luck.


I understand the cautiousness needed when we're dealing with credit, but I think you're on the conservative side here. Having 3 accounts reporting is a big advantage, and several prime lenders are willing to extend credit to starters with the hope of locking in their membership; if your first card happens to be a good one, you tend to keep it for life. Both Discover and American Express are good at this, while Bank of America would likely be generous as well.

 

Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: 6 months history clean equifax. What cards can I get?


daybreakgonesXe wrote:

 He was (and still is) in college and no, he is currently not making payments on the loan. It's deferred until graduation, but still reflects positive history on his report Smiley Happy


Oh I see. When I was in college I had a loan from the school which never reported. When I was about to graduate, the school started talking to me about the loan and payment options. I paid it off in cash before the first suggested payment date. Smiley Happy

 

Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: 6 months history clean equifax. What cards can I get?

Ahhh okay Smiley Happy some loans may do that. My brother and I both have those federal student loans that are deferred until graduation, but still report to the credit bureaus indicating perfect paymnt history!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: 6 months history clean equifax. What cards can I get?

[ Edited ]

daybreakgonesXe wrote:

Ahhh okay Smiley Happy some loans may do that. My brother and I both have those federal student loans that are deferred until graduation, but still report to the credit bureaus indicating perfect paymnt history!


That actually sounds like the perfect way to build a credit history for college students! Provided that your brother holds on to the Open Road and obtains another 1-2 prime cards by the time he graduates, he'll soon join the 800+ FICO club! Smiley Wink

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.