03-08-2009 11:40 AM
I am working diligently on my CC UTI, and should make the 700+ club after paying off CC's, but would like to refi my mortgage later this year.
My current lender does not report my mortgage or car loans with any CB. Because of this my DH does not exist with any CB, we cannot even get a report after faxing in license, etc. to CB.
If I apply for a joint CC account (after my scores are back up there) who's score would they look at for new CC? Will my score alone (assuming 700+) be enough to qualify with anyone? Haven't seen any information along these lines before, but thought maybe we could avoid the whole secured card/high fee scenario this way. He apped for Cap 1 a few months ago, but was turned down, and I don't want to build up a slew of inquiries. He should have nothing negative on his report either (if he existed that is) :
03-08-2009 12:37 PM
03-08-2009 02:56 PM
03-08-2009 03:14 PM
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.