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
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO