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New Visitor
jakurnik
Posts: 1
Registered: ‎08-19-2008
0

Credit Card pre-Qualification

Is there a way to know if a credit card company will accept you or not? I have a score in ~650 range and 25 K in student loan debt, a secured credit card for $500 with $200 on it and a couple of late payments from years ago (not 7). I have applied for 2 cards on myfico.com that it said were in that fico range but was denied for both of them. If I apply for others it will start to hurt my score.
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Credit Card pre-Qualification

What cards denied you? 
Established Contributor
Chopbrocoli
Posts: 805
Registered: ‎05-11-2007
0

Re: Credit Card pre-Qualification

Hi there and welcome to the forums! There is not really a sure way of knowing a creditor will approve you but there is a a list of prequalifed links you can try doing (soft pulls) : http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=129846#M129846

 

But IMO, since you were denied 2 cards, I would hold off the apps for about 6-12 months and let your current accounts age. Do you know the reason why you were denied the 2 cards in the first place?

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