07-24-2013 12:06 AM - edited 07-24-2013 09:33 AM
My girlfriend has a 776 Fico score from this site. Very Low credit history with school loans opened up 4 years ago and a credit card opened up from BofA 4 years ago too. She never actually used the card so it doesn't show payments but is still open. No inquiries, no baddies.
Which would be a good card she can get? I Already know the top cards around for great scores but not sure of cards that approve people with very small history.
She is going to switch her old card to a better cash back BofA card but I want her to get more cards so we can build credit together and get a house.
07-24-2013 12:12 AM
07-24-2013 12:20 AM
Her BofA is low at 700$ eeek. She's interest in some cash back cards or just any good foot in the door card that could grow big. I heard us bank has nice cash back but wondering if she'd be able to make that?
07-24-2013 12:21 AM
Her credit history isn't exactly thin though she only has 1 card. I would say she should have no problem getting approved for most cards, with few exceptions, depending on her CL on the BofA card.
Ask for a CLI with BofA first.
What type of cards is she interested in?
+1 with 4 years history she pretty much can take her pick
07-24-2013 12:26 AM
07-24-2013 12:28 AM
I'm going to sign in her account tomorrow to double check pyt history. She never used the card but it showed on her account. Not one single bill.
07-24-2013 12:29 AM
Would it be best to CLI and then wait until it shows in credit report? Then apply for some CC's
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