641 credit score...

[Anonymous]

Hello.  I have managed to get my credit score to a 641 so far.  I still have some lates and other bad stuff on my report that I am trying to get rid of.  I wanted to know if it is wise to apply for a credit card now with a 641 score? I assume that they will pull my report and look at all the other stuff or do they just go by the score?  Thank you.  

[Creditaddict]

If the lates are less than 6 months old, i think even with that score you might have some trouble getting approvals

[Anonymous]

Hi Bianca, and welcome to the forum! And congrats on getting your scores up

I suggest you go to whogavemecredit.com, and do a search by that score. That's what I do.

If you follow this thread, it lists 7 pre-approval websites. Many people find that helpful: ...

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=56760#M56760

Also check out the "Get a Credit Card" in the menu bar at top of page.

As with all applying, YMMV, depending on your baddies.

Message Edited by Sylviatob on 04-11-2008 12:55 PM