Reply
Frequent Contributor
Posts: 415
Registered: ‎08-13-2008
0

Easiest card to get?

Besides cap 1 and NFCU what are some other lenient cards to obtain with around 640 credit scores?


Equifax - 658, Experian -628, Transunion- 704 In the garden until 01/01/2016
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

DRe: Easiest card to get?

First Premier and Credit One... Smiley Very Happy

 

Totally kidding. No idea. Haha

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: DRe: Easiest card to get?

Although a store card, Walmart might be a good option. It grows nicely and gives you a TU score.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: DRe: Easiest card to get?

Walmart, GE brand, you might try Discover if you don't have any baddie....my buddie got approved for 640 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Member
Posts: 30
Registered: ‎10-30-2012
0

Re: Easiest card to get?

Discover
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: Easiest card to get?

Go for a Walmart Store card.  The free TU08 FICO is worth it plus it grows exponentionally and will get your score up pretty quick.  Also apply for an AMEX green if you have no baddies.  I got a Gold with a FICO of 640.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Easiest card to get?

[ Edited ]

A store card would be your best bet IMO. I agree with the others...something that's GE backed b/c it has potential to grow and upgrade if you initially only start out with the store card.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Easiest card to get?

www.whogavemecredit.com

 

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
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 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.

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.