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Dell or Best Buy credit

New Visitor

Dell or Best Buy credit

Hey, I've been reading on these forums for a while now, and have never posted. 

 

I need a new computer, but I had a BK discharged in Jan. of 2009.  Since then I have two credit cards, one with a $500 limit - $0 balance.  And another with a $750  limit.  Both cards have excellent payment history, but I got them in August of 2009. 

 

WHat do you think my chances are to get approved for either Dell or Best buy credit.  I am not looking to buy a top of the line PC.  I'll be spending less than $800 on the new computer. 

 

Thanks

Message 1 of 27
26 REPLIES
New Visitor

Re: Dell or Best Buy credit

One more thing to add, I had re-affirmed my car loan in the BK.  And I have been paying it on time as I was before the BK.
Message 2 of 27
Established Contributor

Re: Dell or Best Buy credit

What are your current scores? With such a thin file, I think you are going to have problems getting credit at either place.

Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 3 of 27
Regular Contributor

Re: Dell or Best Buy credit

I don't know if you will qualify for the Dell or Best buy accounts, but I'm sure Dell will give you the higher limit, I just recently picked up Target, Walmart and Dell accouts and this is what I got from them.

 

Target $400

Walmart $700

Dell $3000

Message 4 of 27
Regular Contributor

Re: Dell or Best Buy credit

I think the best move here may be to just save up for the computer rather than finance it.

EQ (11/16/2007): 573

Starting Score (1/1/2010): EQ: 712 -- TU: 726
Current Score: EQ: 748 (12/22/11) -- TU: 726 (1/7/10) -- TU04: 701 (1/27/10) -- EX: 747 (1/27/10) (LO)
Goal Score: EQ: 760


Take the FICO Fitness Challenge
Message 5 of 27
New Visitor

Re: Dell or Best Buy credit

Yeah, I would usually save up, but being that my PC is un-repairable, I need a PC and I'll be paying it off as soon as I get my tax return in February.  I just need to get the computer now.
Message 6 of 27
Established Contributor

Re: Dell or Best Buy credit

if i had to pick between the two i would say dell would be more likely to extend credit(in my experience) and another thing you can get a better deal thru the dell outlet . More bang for your buck . Getting Best buy to give you a large enough credit line to buy a computer is going to be the hard part. 
Message 7 of 27
Frequent Contributor

Re: Dell or Best Buy credit

Why don't you look into buying a PC from Dell's Outlet store?

 

The system listed below cost $299.00

 

http://outlet.us.dell.com/ARBOnlineSales/topics/global.aspx/arb/online/en/InventoryDetails?systemId=...

 

 

Inspiron 537 (System Identifier: EEDBGXJK)

  • Inspiron Desktop 537 Minitower
  • Genuine Windows 7 Home Premium
System Price : $299.00

Operating System
Genuine Windows 7 Home Premium
Memory
4 GB DDR2 SDRAM 800MHz (2 DIMMs)
Hard Disk Drive
640 GB SATA Hard Drive (7200 RPM)
Modem
V.92/56K PCI DataFax Modem
System Color
Piano Black
Hardware Upgrade
Dell 19 in 1 Media Card Reader
125V Power Cord
USB Keyboard
Optical 2-Button Mouse
Software Upgrade
Windows Live
Microsoft Works 9.0
64BIT Operating System CD
Chassis Type
Mini Tower
Scratch & Dent
Scratch & Dent
Base
Inspiron Desktop 537 Minitower
Media Bay
16X DVD +/- RW w/dbl layer write capability
Processor
Processor: Intel Celeron Processor 450 (2.20GHz, 512K, 800FSB

 

 

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
Message 8 of 27
Valued Contributor

Re: Dell or Best Buy credit


cao88c wrote:

Hey, I've been reading on these forums for a while now, and have never posted. 

 

I need a new computer, but I had a BK discharged in Jan. of 2009.  Since then I have two credit cards, one with a $500 limit - $0 balance.  And another with a $750  limit.  Both cards have excellent payment history, but I got them in August of 2009. 

 

WHat do you think my chances are to get approved for either Dell or Best buy credit.  I am not looking to buy a top of the line PC.  I'll be spending less than $800 on the new computer. 

 

Thanks


 

Best Buy is not bk friendly.
FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 9 of 27
Senior Contributor

Re: Dell or Best Buy credit

Don't buy a Celeron,
Message 10 of 27