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After helping my aunt my uncle now wants my help to get a few cards to garden. His info as I know it
EX FICO: 716
TU FICO: 721
EQ FICO: 691
AAOA: 3 years
1 negative collection: paid, 5 years old. tried to GW with no luck
Income: 65000
No inquiries on any report.
He is open to anyhting but has said that he doesn't want low limits, nothing less than $1000. So are there any suggestions?
BTW we've been checking out that credit pull database and whogavemecredit but want personal experience, if available.
does he have any cards right now? also the "best" cards will be different for different people since some people want cash back and others want miles and other will want benefits for having the cards like amex platinum with airport benefits and rental car benefits.
And you listed two EX FICO scores. presumably one of those is equifax?
Fixed the mistake in the post.
He has said he wants rewards if possible, he doesn't travel much so no need for anything like that.
He has:
Walmart: $3400
Credit union: $2000
Util is less than 10%
personally id recommend trying the preapproval sites. and try to get pre approved for chase freedom, discover IT, or maybe a capital one card with rewards. with no inq's, overall pretty good credit scores and paid collections being 5 years old, i think he would be able to get approved for those cards fairly easy. if he doesnt get preapproved on their sites then i would try cardmatch and try for amex BCE or BCP. all of those cards i feel would give him atleast a 1k limit. there may be some cards im missing that other people can recommend too
@2FixMyCredit wrote:Fixed the mistake in the post.
He has said he wants rewards if possible, he doesn't travel much so no need for anything like that.
He has:
Walmart: $3400
Credit union: $2000
Util is less than 10%
BCP
Freedom
Discover
IMHO
@myjourney wrote:
@2FixMyCredit wrote:Fixed the mistake in the post.
He has said he wants rewards if possible, he doesn't travel much so no need for anything like that.
He has:
Walmart: $3400
Credit union: $2000
Util is less than 10%
BCP
Freedom
Discover
IMHO
Those are the exact ones I said ! LOL too funny.
He got approved for:
Freedom: 6500
Discover: 7000 - had to call and verify some info?
Walmart Increase - 10000
Barclay - 4000
I was a little shocked with the results myself but happy to have helped him! He said he is going to garden for a long time
@2FixMyCredit wrote:
@myjourney wrote:
@2FixMyCredit wrote:Fixed the mistake in the post.
He has said he wants rewards if possible, he doesn't travel much so no need for anything like that.
He has:
Walmart: $3400
Credit union: $2000
Util is less than 10%
BCP
Freedom
Discover
IMHO
Those are the exact ones I said ! LOL too funny.
He got approved for:
Freedom: 6500
Discover: 7000 - had to call and verify some info?
Walmart Increase - 10000
Barclay - 4000
I was a little shocked with the results myself but happy to have helped him! He said he is going to garden for a long time
Congarts to him and the sound advice you gave him Wooo Hooo
Congrats to him.