Credit Card Center Advertiser Disclosure

Reply
Frequent Contributor
Posts: 454
Registered: ‎08-18-2008
0

Are there any CCs who would take me?

Hi there,

Wondering if my scores can qualify me for anything at all. TU 539, EQ 534, EX 616. Income is really my husband's, so not sure if that means I don't count, or if DH has to get one and make me an AU. His scores are TU 523 EQ 566 EX 524, but his income is decent. His TU and EX might be higher, since his EQ was 539 when we pulled the other ones 10 days ago, but I don't want to pay for more till I have cleared up a couple inaccuracies.

I don't want any more inquiries if I won't get any credit, but the FICO simulator says he should open a CC.

The BK friendly card thread is kind of old, so I don't know who to apply to, or if I should get a secured CC from my bank, HSBC.

Thanks for any help.
Established Contributor
Posts: 709
Registered: ‎04-20-2008
0

Re: Are there any CCs who would take me?

did you try hsbc yet, or orchard, which is a part of HSBC.. you could try firestone, they take high 500's and pull TU i think.. also maybe try credit one?  i think there activation is kind of high though..
"WTB Access Number"
Frequent Contributor
Posts: 454
Registered: ‎08-18-2008
0

Re: Are there any CCs who would take me?

HSBC is my bank, and so they see my regular income. Maybe they'll do it.

I thought secured credit cards were offered to anyone.
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
0

Re: Are there any CCs who would take me?

I would look to start repairing first, your scores are too low to get something worth while. Once you have your scores in the high 500's, you should be good for a BoA secured card. Start working on your most recent baddies, anything 2 years old or less.

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Frequent Contributor
Posts: 454
Registered: ‎08-18-2008
0

Re: Are there any CCs who would take me?



fused wrote:

I would look to start repairing first, your scores are too low to get something worth while. Once you have your scores in the high 500's, you should be good for a BoA secured card. Start working on your most recent baddies, anything 2 years old or less.






I just copied and pasted that answer from the other thread into my head, fused. Smiley Happy Thanks!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.