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New Contributor
YoungJay18
Posts: 75
Registered: ‎09-23-2011

Fico score 688

I just found out i have a fico score of 688 with 5 inquires 3 past 6 months and 2 are still pretty recent what kind of prime card could i get based on this information ??

Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012

Re: Fico score 688

Anything negative on your report?

 

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New Contributor
YoungJay18
Posts: 75
Registered: ‎09-23-2011

Re: Fico score 688

no i have nothing negative on my credit report 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Fico score 688

Where did you get that score from and which bureau?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
jamie123
Posts: 663
Registered: ‎03-22-2012

Re: Fico score 688

I have a couple of questions first.

 

Do you have a job?

 

How long have you worked at that job?

 

What is your income?



Starting Score: EQ 658 6/18/12
Current Score: EQ 680 9/23/13
Goal Score: EQ 720+
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New Contributor
YoungJay18
Posts: 75
Registered: ‎09-23-2011

Re: Fico score 688

that was the score i got here on the website it says its the fico score from Equifax 

Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011

Re: Fico score 688

There are a great many variables other than purely current score. ... ANY history of negatives, how long has your oldest account been open, etc... The question you ask is a tough one with such limited information. Revolving cards approval is still somewhat of a mystery and puzzling, people with 750+ get denied while others with lower 600s get approved for the same card ?? You can go to whogavemecredit.com and follow the links to see whats been happening lately with various lenders

TU-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 7500CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase Slate $4000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Fico score 688

If you make decent money I'd try for discover



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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Valued Contributor
DaveSignal
Posts: 1,768
Registered: ‎07-29-2011

Re: Fico score 688

Since any lender looks at more than your FICO score before offering credit, there is more information needed.  If you have a credit history with current revolving accounts, installment loans, and have decent credit limits already, there are MANY great cards for which you could be approved.  If not, then start with the best that will approve you.  If you don't currently have any history, putting $1k toward a secured card for a year will get you far ahead in the world of credit and allow you to be approved for the 'prime' unsecured cards of which you are looking.


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
New Contributor
YoungJay18
Posts: 75
Registered: ‎09-23-2011

Re: Fico score 688

i am pre approved for discover i just dont know if that will help in any way 


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