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Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

Credit score of 700

Would someone with a EQ FICO score of 700, Experian FICO of 711, and TU FICO of 704 with 12%UTL gett approved for Best Buy MasterCard? Chase Slate? Or any other credit card that requires GOOD credit not EXCELLENT. 20K ANNUAL INCOME

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Established Contributor
migliogiorni
Posts: 582
Registered: ‎06-27-2012

Re: Credit score of 700

how many inq's? I wouldn't go for BB as they are backed by Crap One...

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

Re: Credit score of 700

TU 6 EQ 8 EX 14

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: Credit score of 700

20k annual income is kinda harsh. 

 

id say youd get a low limit chase freedom

 

what are your cards looking like now? 

 

are you a student? 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

Re: Credit score of 700

not a student and my cards are looking good no late payments and no collections nor bks. Is that what you meant?

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: Credit score of 700

yes thats what i meant. 

im not sure since you have a couple higher limit cards. 

 

do you have non store cards? 

 

when i applied for chase freedom i had an employye mastercard from the bank that i work at. it was 500 limit. 

chase matched it. 

 

i had a 3k macys card and 2.5k best buy store card. but according to posts on this forum (chase does not factor store credit) even though they cant tell. 

whats your aaoa? 

 

seems like youd be ok for slate as long as your aaoa is alright but id say it would be a low limit since your income is lower then alot. 

my aaoa at the time of app for freedom is 1 year 3 months and 27k income and only got 500.

 

 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

Re: Credit score of 700

[ Edited ]

Wells fargo 3k ,Sams Club Discover 3.5k and Sears MASTERCARD 1.5k 

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

Re: Credit score of 700

so slate it is?? even with inquiries

 

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: Credit score of 700

[ Edited ]

didnt see the inq. a little more then i have.   

mostly due to amex and car shopping. 

 

id wait then. how many of those are newer then a year old? 

 

chase has exclusively pulled ex for me in mass all three times i applied in the past 3 years 

 

i believe i had like 4 inq on ex when i apped. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,045
Registered: ‎10-02-2012

Re: Credit score of 700

hmmm i live in cali so who knows but yeah the chances of being approved are low most inq are from this year ;(

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!

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