Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: Credit score of 700

You might get approved but your limits are going to be low.

 

20k income doesn't get you very far, especially in California. You really need to work on improving your income and letting some of those inqs fall off. Without a higher income, you'll soon hit a (very low) glass ceiling that you won't be able to move beyond. Scores will be secondary at that point since with virtually no income, lenders will have serious doubts about your ability to spend and repay.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Senior Contributor
Posts: 4,044
Registered: ‎10-02-2012
0

I shall go fo rit ad see

Hmmm well my wife isi gonna apply and see what happens I dont ant to apply for my scores are low and curently app free since june 2012. Thanks! 500 will be good for now.

Debit Cards: Citibank MasterCard, Rabobank VISA, The Bank of Hemet MasterCard, Nordstrom and Target.
Credit Cards: Fingerhut FreshStart $180
EQ FICO ---, EX FICO 523, TU FICO 555, (12/01/16) Gardening Since 12/01/16
Equifax, Experian, Transunion, and ChexSystems are FROZEN as of 12/02/16
Frequent Contributor
Posts: 443
Registered: ‎03-19-2010
0

Re: Credit score of 700

[ Edited ]

your income is not the problem...i got the cards i got now on $22K/year. Had no issues at all. You should be okay IF you get those INQ's gone. Pretty sure with that many on EQ you'll get denied.

Highlighted
Senior Contributor
Posts: 4,044
Registered: ‎10-02-2012
0

Re: Credit score of 700

Sorry for the late response and thanks for the info now i know that the my income wouldnt the be a problem but the inquiries will Smiley Happy. Thanks! @Mike360

Debit Cards: Citibank MasterCard, Rabobank VISA, The Bank of Hemet MasterCard, Nordstrom and Target.
Credit Cards: Fingerhut FreshStart $180
EQ FICO ---, EX FICO 523, TU FICO 555, (12/01/16) Gardening Since 12/01/16
Equifax, Experian, Transunion, and ChexSystems are FROZEN as of 12/02/16

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.