Apple Financing?

[Anonymous]

Hello,

I am a student probably about to buy a MacBook Pro. Currently my credit score fluctuates greatly because I almost always have to max most of my 4 cards before I get financial aid and can pay them off or at least down greatly.

So right now it is pretty bad, TU 578. But I have just recently paid 3 of the 4 cards off completely, and credit simulators estimate that my score will go up to 697. 

I have the cash to buy the laptop right now but it would be nice to finance some of it and save some of my financial aid in case I can't work much through finals. Is it likely I could get financed if my score goes up that much? And how often do they update your score?

Basically I don't want to wait if that won't be high enough but I am willing to wait even if it only takes a portion of the cost off up front.

I make about 20k a year, if that matters.

Thanks

[chalupaman]

Get your reports clean first of all if you have any baddies and stuff like that and make sure you get your actual FICO scores so we can better determine what you need to do.

If you have a TU FICO in the 650s or greater, I think you'd have a shot at Barclays Apple Visa. 

[ojefferyo]

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@Anonymous wrote:

Hello,

I am a student probably about to buy a MacBook Pro. Currently my credit score fluctuates greatly because I almost always have to max most of my 4 cards before I get financial aid and can pay them off or at least down greatly.

So right now it is pretty bad, TU 578. But I have just recently paid 3 of the 4 cards off completely, and credit simulators estimate that my score will go up to 697. 

I have the cash to buy the laptop right now but it would be nice to finance some of it and save some of my financial aid in case I can't work much through finals. Is it likely I could get financed if my score goes up that much? And how often do they update your score?

Basically I don't want to wait if that won't be high enough but I am willing to wait even if it only takes a portion of the cost off up front.

I make about 20k a year, if that matters.

Thanks

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Score may be too low for Barclay, I wouldn't trust those score simlutaors as far as I could throw them. Barclay may also have an issue with the high utilaztion.

[Anonymous]

My fico TU is 631, but it is showing the high utilization, which is no longer true. my utilization is now down considerably, which should make my score go up. How often does the score update?

[DawgZ]

My Fico seems to update once a month when I lower my utilization. I applied for the Apple card last year and was approved at 650 with 2 baddies. I got a $750 CL but called for RECON and they bumped it to $2k. Good luck.

[Mellon]

If you do get the card be sure to ask for the rewards version.. if it isn't already standard now

[Anonymous]

i got 3.5k

Score all around 730

and my overall debt is around 2.5k between all my cards. 

i make about 40k a year but varies on my comissions.

With that when i applyed i was left pending for manual review which i call the back numbers and i was able to get approved after a series of questions.

if i were you i would pay it most of it cash and the rest with my current cards.

Hope it helps!

[taxi818]

You will be fine after fico updates and your util goes way down. even if the simulator is not exact. your score will go up a lot from 4 maxed out cards. im sure you will be fine. just before you app make sure you check your fico scores. you should have a ideal when your lenders report. thus giving you a ideal when your fico score will go up. good luck.