Hey Edgar and Welcome to myFico forum!
Barclays uses Transunion Fico 8 Model almost all of the time as far as I know. Upwards of 620 should get you in without a hitch as long as no recent derog or too much Inqs though. When you app and get approved be careful though as they are like a very jealous partner that will kick you out by the curb and shut you down if they review you after a month or so with many new opened accts.
If you have a Discover, BofA or any Synchrony card, they give acct holders free FICO8.
Best of Luck in your endeavors!
Don't forget to post back your results.
Barclays uses Transunion Fico 8 Model almost all of the time as far as I know. Upwards of 620 should get you in without a hitch as long as no recent derog or too much Inqs though. When you app and get approved be careful though as they are like a very jealous partner that will kick you out by the curb and shut you down if they review you after a month or so with many new opened accts.
If you have a Discover, BofA or any Synchrony card, they give acct holders free FICO8.
Best of Luck in your endeavors!
Don't forget to post back your results.
@Anonymous wrote:Thanks for the quick response!
I'm assuming my FICO 8 is going to be around 680-700 given that my Vantage scores are in the 715+'s, so I guess I should be ok. I havent had any new inquiries in more than a year and ive actually had 2 hard inquiries drop earlier this month as well as having a credit card that had 75% utilization removed from my report since I was listed as an authorized user. I had the card owner (family member) remove me from the account since I have never used that card myself. This sets me at about 10% credit utilization if I'm not mistaken. No late payments at all other than a single one 5 years ago for an auto loan.
I have a Synchrony credit card (CareCredit) but it doesn't give me the option to get a free FICO8 score anywhere. Maybe it's only for select Synchrony cards.
I gave you Kudos, thank you for your help.
As mentioned, never trust a Vantage score unless you know that is the score being used for approval (99.9999% of the time, it will NOT be a Vantage score they look at). My Vantage scores arebout about 60 points BELOW my FICO 08 scores.
If you don't have access to free FICO 08 scores through and of you existing accounts, you can always do a one time 3 bureau report here, or a $1 one week trial at CCT.
You can get your Experian FICO 08 for free from Discover, even if you are not a cardholder... Check out creditscorecard.com (or Google "discover scorecard".
Vantage scores aren't really used when judging your reports by lenders. Along with the CreditCheckTotal trial, give creditscorecard.com a shot. It's a service provided by Discover that gives your EX score for free once a month. Discover/BOA/Barclays will give you TU and Citi will give you EQ.
I can't speak much on Barclays, but have you considered trying for a card with 0% purchase APR for 12-18 months instead? You could finance your laptop the same way and still give yourself some wiggle room. Usually with store financing cards, they'll break up your payments monthly, but should use miss any month or the last month shows late by some mishappenstance (like a delay in it being posted), your entire original purchase could be slapped with a high, store APR (like 23.99%+). That might be something to consider.
Discover is offering 14 months 0% APR and likes thin files/college students, so you have a pretty good shot of approval. If this is your first card, they may only give you 500, which isn't enough for your laptop, so, it might be better to try and gain some experience first with a card issued by your banking institution for six months-1 year before applying. Best of luck from a fellow college student. 