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Credit score of 700

Senior Contributor

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

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
13 REPLIES
Established Contributor

Re: Credit score of 700

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

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Senior Contributor

Re: Credit score of 700

TU 6 EQ 8 EX 14

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Valued Contributor

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor

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?

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Valued Contributor

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor

Re: Credit score of 700

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

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Senior Contributor

Re: Credit score of 700

so slate it is?? even with inquiries

 

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Valued Contributor

Re: Credit score of 700

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor

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 ;(

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017