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New Visitor
crocodilehunter
Posts: 3
Registered: ‎12-19-2011

Care Credit Question

[ Edited ]

New member here.  :smileyvery-happy:

 

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013.  Will that prevent an approval? Thanks for any input.

Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011

Re: Care Credit Question

Don't waist your time!  If you apply now it will result  in another INQ from EQ.  Take 6 months to work on your score!

New Contributor
sweetschuni
Posts: 77
Registered: ‎10-16-2011

Re: Care Credit Question


crocodilehunter wrote:

New member here.  :smileyvery-happy:

 

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013.  Will that prevent an approval? Thanks for any input.

 

CareCredit was my first credit card and I received it in 08/11. They pulled TransUnion and my score was 580 at the time with about 15 derogs (mostly medical.) I hope this helps.


 


Starting Score: 544
Current Score: 666
Goal Score: 700


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Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008

Re: Care Credit Question

Are you looking for Care Credit to cover a medical procedure that you need done now?

Just puttin' syrup on something, don't make it pancakes.
New Visitor
crocodilehunter
Posts: 3
Registered: ‎12-19-2011

Re: Care Credit Question

[ Edited ]

sweetschuni wrote:

crocodilehunter wrote:

New member here.  :smileyvery-happy:

 

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013.  Will that prevent an approval? Thanks for any input.

 

CareCredit was my first credit card and I received it in 08/11. They pulled TransUnion and my score was 580 at the time with about 15 derogs (mostly medical.) I hope this helps.


 



Thanks. What kind of credit limit did you receive?

New Visitor
crocodilehunter
Posts: 3
Registered: ‎12-19-2011

Re: Care Credit Question

[ Edited ]

beamMEup wrote:

Are you looking for Care Credit to cover a medical procedure that you need done now?



Yes.  

Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011

Re: Care Credit Question

i got approved with a 590 score and 0 baddies for $1000, i say go for it, you'll get it! i have faith!!!!


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


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Long way to go ^_^
New Contributor
sweetschuni
Posts: 77
Registered: ‎10-16-2011

Re: Care Credit Question

My initial CL was $1,000.


Starting Score: 544
Current Score: 666
Goal Score: 700


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Care Credit Question


crocodilehunter wrote:

New member here.  :smileyvery-happy:

 

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013.  Will that prevent an approval? Thanks for any input.


You should be good, they may hit you with a small CL but explain to them your procedure and estimated cost and they might bump it up for you.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
AlmostHome78
Posts: 139
Registered: ‎04-21-2011

Re: Care Credit Question

I was approved for Care Credit in October with an EQ Fico score around 670.  I had one 1.5 year medical collection reporting at the time (my only derog).  I was approved for $5,500, which has proved to be incredibly helpful since I've had to have multiple dental procedures since receiving the card.

 

Good luck!


Starting Score: EQ 678 (8/10/11) -- TU 678 (8/10/11) -- EX Fako 639 (9/7/11)
Current Score: EQ 685 -- TU 686 -- EX 702 (lender pull)
Goal Score: At least 720 across the board by June 2012


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