How hard (or easy) is US bank to get?

[Breakthecycle2]

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@score_building wrote:

You may have a decent shot at the 650 level. 

They are one of the better banks IMO-- if you can do anything to get a bit of a score boost before app try to do so.

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Thanks for that! Are they OK with past baddies?

[Wolf3]

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@Breakthecycle2 wrote:

Thanks for that! Are they OK with past baddies?

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 Depends on how bad.

[Breakthecycle2]

1 paid judgement from almost 7 years ago

1 paid collection from two years ago

4 paid charge offs from 4-7 years ago

[score_building]

Personally I'd at least wait for the old judgement and COs to fall off.

They may overlook a couple of older mistakes but 6 baddies- some relatively recent, may not fly with them.

[Breakthecycle2]

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@score_building wrote:

Personally I'd at least wait for the old judgement and COs to fall off.

They may overlook a couple of older mistakes but 6 baddies- some relatively recent, may not fly with them.

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Yeah? You think?

[score_building]

Depends...YMMV

I'd be hesitant to blow the inq(s) with us bank carrying a handful of baddies and a borderline score... if it were just one or the other, maybe then.

If you go for it, don't forget to recon if you don't get it off the bat.

[Anonymous]

I use US Bank and spoke to the Branch Manager.  He told me 680 Fico is required.  BK was okay after 7 years but I just read recently that they are now not BK friendly.

[Imhotrodcrazy]

US Bank approved me for a $12,000 cc and a $15,000 loc back in Dec.  They pulled EX for me, but I could not get them to tell me what my score was.  I am located in Calif.  I know that they look closely at your DTI.  They are a great bank to deal with.  I use them exclusively.   They report both accts to all 3 CB's.  I do have my checking accts there and have had mortgage loans through them, so I am sure that helped some.  Good luck if you apply with them. 

[tengtengvn]

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@score_building wrote:

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@tengtengvn wrote:

Super easy.

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Perhaps you are thinking of a different lender.

US Bank is a well established conservative lender.

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That's why I was surprised when they gave me a 10k CC. My credit score was at 680. Prior to that, I got a 5k BBB CC from them too.

[score_building]

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@tengtengvn wrote:

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@score_building wrote:

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@tengtengvn wrote:

Super easy.

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Perhaps you are thinking of a different lender.

US Bank is a well established conservative lender.

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That's why I was surprised when they gave me a 10k CC. My credit score was at 680. Prior to that, I got a 5k BBB CC from them too.

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I get it-- it was super easy for you

I think OP wanted to gauge their lending standards in general, which are relatively strict.

nice cards btw!