HOW MUCH CREDIT SCORE I NEED TO BE APPROVED FOR A 2500

[juniornj23]

IM LOOKING A LESS 2500 ON A SINGLE CARD HOW MCH HAS TO BE MY CS

[azguy13]

It all depends on the bank as well as what is in your credit report. Approval is not based just off of scores alone. They take into consideration your income, score, types of baddies, age of baddies. Many banks have their own internal scoring system they rely on also. A $2,500 initial CL requirement for Cap1 will be different than those for Chase or BOA. 

Edit: When I say income is taken into consideration, I mean it is used to calculate debt to income as well as used to determine an initial CL

[mo15473]

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@azguy13 wrote:

It all depends on the bank as well as what is in your credit report. Approval is not based just off of scores alone. They take into consideration your income, score, types of baddies, age of baddies. Many banks have their own internal scoring system they rely on also. A $2,500 initial CL requirement for Cap1 will be different than those for Chase or BOA. 

Edit: When I say income is taken into consideration, I mean it is used to calculate debt to income as well as used to determine an initial CL

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+1 it just depends on who you are banking with. If you have a reationship with a local bank or CU and direct deposit with them its a chance you can get a creidt limit that high with a low score.

[Creditaddict]

do you have credit cards now? limits/balance?

any baddies?

[juniornj23]

i do have 

best buy 300 /o balance

creditonebanck 1050/300 balance

capital one 500/ 0

reward planitun 300 / o balance 

first premier 700 0 balance

macys charge off 550

afni collection  365

 miland funding 360 

how can i get deleted this form my credit report

[Creditaddict]

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@juniornj23 wrote:

i do have 

best buy 300 /o balance

creditonebanck 1050/300 balance

capital one 500/ 0

reward planitun 300 / o balance 

first premier 700 0 balance

macys charge off 550

afni collection  365

 miland funding 360 

how can i get deleted this form my credit report

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how old are the collections and charge offs?

are you interested in paying or settling them?

[juniornj23]

MORE THAN A 1 THE COLLECTION 

 CHARGE OFF PROBLABY 2 YEAR 

I DO HAVE A LWA OFFICES TRYING TO TAKE CARE 

I REALLY WANT THIS OUT OF MY REPORT

 ANY ADVICE WELLCOME

PFD LETTER SAMPLE 

GW LETTER SAMPLE 

ARE WELLCOME 

[-NewGuy-]

Check out these helpful posts on rebuilding. There are examples of both GW and PFD letters.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Frequently-Requested-Threads/td-p/224981

[Creditaddict]

I personally have never had any luck with PFD outside of medical so I personallly would just call each creditor or collection when you have cash in hand and ask for best offer to settle right now (hopefully they come back at least at 60% and I would offer no more than 50% but I don't offer 50% until I at least hear their offer because once in a while you get a 30-40% offer and if you led with 50% then you just lost out but most of the time it's 50% at best and you are talking very little money and get these paid... may not instantly change your credit but I found once I had paid collections (even when settled) I was then able to get credit when before I had banks tell me know because I had unsettled accounts... and since they are only 1-2 years old I don't agree with the folks that say not to pay colections without a pfd because it will hurt your credit... i'ts never been my experience that it hurts!

[Involver]

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