@myjourney wrote:
@KJamesJR wrote:Those are Fico Scores from myFICO. I did get a denial paper back from an inquiry stating my score was 620. I've had several inquiries in the past year. Probably more than 8. But really... How am I suppose to get a CC if I don't apply? With Barclay I've had four (I actually started applying with them in late Sept.).
I have no bad loans. I own my car, I rent my living area, and I make a decent wage. I've never really considered my credit score until recently, within a year or so, because I'd like to get a house.
IMHO wait another 3 months
Continue to pay on time keep UTL 1-9% reported and you should see a scoring bump into the mid 600 range
Barclay, Discover can be obtained with scores in that area
What's killing your scores right now is you keep applying for Barclay and each time you try you lose 3-5 points so rough EST in 2 month you lost 12-20 point
I know it can be hard sometimes but good credit is a marathon not a sprint ............so stay the course
+1 and also agree going for a Walmart card I started with a $700 store card 3 years ago. You could also try the shopping card trick. Do a search for it at the top of the page.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k