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Care Credit Question

New Visitor

Care Credit Question

New member here.  Smiley Very 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.

Message 1 of 12
11 REPLIES
Established Contributor

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!

Message 2 of 12
New Contributor

Re: Care Credit Question


crocodilehunter wrote:

New member here.  Smiley Very 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.


 

Licensed REALTOR in the state of Georgia - "Far and away the best prize that life has to offer is the chance to work hard at work worth doing" Theodore Roosevelt


Message 3 of 12
Moderator Emeritus

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.
Message 4 of 12
New Visitor

Re: Care Credit Question


sweetschuni wrote:

crocodilehunter wrote:

New member here.  Smiley Very 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?

Message 5 of 12
New Visitor

Re: Care Credit Question


beamMEup wrote:

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



Yes.  

Message 6 of 12
Established Contributor

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


Take the FICO Fitness Challenge

Long way to go ^_^
Message 7 of 12
New Contributor

Re: Care Credit Question

My initial CL was $1,000.

Licensed REALTOR in the state of Georgia - "Far and away the best prize that life has to offer is the chance to work hard at work worth doing" Theodore Roosevelt


Message 8 of 12
Mega Contributor

Re: Care Credit Question


crocodilehunter wrote:

New member here.  Smiley Very 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.




EQ FICO 548 3/3/16
Message 9 of 12
Regular Contributor

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


Take the FICO Fitness Challenge
Message 10 of 12