They pull Experian. If your file is borderline, they might pull one or both of EQ and TU.
I don't know what their minimum score is. It would be hard to say. Not all scores are created equal. A person with very little history could have a 700 score and may still be denied. A person with a lot of history, no recent negatives, and a 680 score might get approved. Check out whogavemecredit and see if there is any info there.
If I had to guess, all else being equal, I'd say 680 is probably pretty safe. Generally, they don't like to see lates within the past 2 years.
Starting Score: ~500 (12/01/2008)
Starting Score: 560
With AMEX income is a big factor if you are making north of 40k a year your chances are better, and since charge cards are only 1 month loans they have very low credit requirements, if you have good income and have a 650 or higher fico and a year of credit history with no recent baddies, you stand a good chance.
Wallet: FNBO DISC 7.5k, , Chase Freedom 3k & Slate 3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Repo-ed wrote:
www.whogavemecredit.com
it's honestly a horrible site, I would go to creditboards credit pull database since it's more accurate since most people who post there know the difference between Fico and Fako. whogavemecredit i suspect is mostly fako.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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