Escaping Capitol One

[Sitori]

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@nuggets321 wrote:

@ Sitori, IF you are new to credit they can be a great credit builder, just dont expect too much growth with them....

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I just applied for the cash rewards card and was denied!  WTH.   I cant deal.

[Satellite5]

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@Sitori wrote:

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@nuggets321 wrote:

@ Sitori, IF you are new to credit they can be a great credit builder, just dont expect too much growth with them....

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I just applied for the cash rewards card and was denied!  WTH.   I cant deal.

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If you're new to credit, it'll be very hard to obtain a rewards card. Why don't you try their platinum card (the one with no AF)?

[Sitori]

I read that one was the one for limited history!  aaaahhhh...should I try to apply for that one instead??

I was just approved for $1200 CL on the Amazon card so I thought I would have a shot at the Cap 1.  

[nuggets321]

If you have whats commonly referred to as a "thin file" (not mcuh in your credit history) they do have a "newcomer card"... they have a pre-qualify site on their main page, that MAY be an indicator as to what they MIGHT extend to you... they have 2 different cash rewards cards, one is for average creditand the other for excellent credit... before you go crazy applying remember that they pull ALL 3 buresus and inquiries can lower your score each time you apply... their prequalify link will not affect your score..

[Sitori]

Sorry I don't want to jack this thread.

I tried the pre-qualify link and after entering my info it always says "couldnt match records"   Shrug

[maiden_girl]

I would avoid applying for anything CAP1 after this. CAP1 is one of the few lendes that pulls 3 CR when they consider you for any of their cards.

[nuggets321]

@ sitori, remember you "want" to add something, but credit should be a matter of "need"... are those scores in your signature fico scores ? you may do well to hold out a little longer and try the Discovecard "pre-qualify link" . If those are real ficos, you may break the 700 mark before too long resulting in better overall odds of being approved for a "prime" card

[Sitori]

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@nuggets321 wrote:

@ sitori, remember you "want" to add something, but credit should be a matter of "need"... are those scores in your signature fico scores ? you may do well to hold out a little longer and try the Discovecard "pre-qualify link" . If those are real ficos, you may break the 700 mark before too long resulting in better overall odds of being approved for a "prime" card

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yes it is a matter of need...I NEED history, that is all.  lol

How do I know if they're FICO? They're from my most recent credit report. I think I can pull it up and see what it says exactly....

[maiden_girl]

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@Sitori wrote:

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@nuggets321 wrote:

@ sitori, remember you "want" to add something, but credit should be a matter of "need"... are those scores in your signature fico scores ? you may do well to hold out a little longer and try the Discovecard "pre-qualify link" . If those are real ficos, you may break the 700 mark before too long resulting in better overall odds of being approved for a "prime" card

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yes it is a matter of need...I NEED history, that is all.  lol

How do I know if they're FICO? They're from my most recent credit report. I think I can pull it up and see what it says exactly....

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You can only get a FICO score from a lender or here at myfico.com. Scores offered direct from the credit agencies are not FICO scores but FAKO scores.

[Sitori]

Ok here...this is what it says...

TU FICO CLASSIC 04  -- 685

EFX FACTA BEACON 5.0 -- 689

XPN/FAIR ISAAC MODEL II -- 639

Sooooo what does all that mean? lol   The only one that is FICO is the TU?