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I have a 588 Fico

New Visitor

I have a 588 Fico

with short credit history, was wondering which credit cards, should i, or could i get approved for, looking for one i can use at most places.

Message 1 of 5
4 REPLIES
Established Contributor

Re: I have a 588 Ficorobly

Look at a secured card that graduates. If you can start with a large deposit $2000+.  Garden that until you get offers from prime lenders.  Maybe through in a store card like Walmart.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 2 of 5
Moderator Emeritus

Re: I have a 588 Fico


Stigma wrote:

with short credit history, was wondering which credit cards, should i, or could i get approved for, looking for one i can use at most places.



Hi Stigma. Welcome to myFICO.

 

You say you have a 588 FICO. May I ask where you got your score? I only ask because most sites you buy a "credit score" from do not sell you true FICO scores.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 3 of 5
Regular Contributor

Re: I have a 588 Fico

Try for a BoA secured card and garden it until your scores pick up - then, apply for a better card.  You could also try Capital One (you might get approved for an unsecured card; their secured card doesn't gradute as far as I know from personal experience).

Current Score (8/2017): EQ: 653 | TU: 683 | EX: 680---Starting Score (3/2010): EQ: 522 | TU: 525 | EX: ???---Goal: All 3 FICO 750+
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Message 4 of 5
Highlighted
Senior Contributor

Re: I have a 588 Fico

Before applying for any card, can you provide some more detail about what is on your report. What negatives do you have? There might be some easy things to clean up that could bring your score up before you apply for something. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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