Credit Cards

[greenspan]

I am looking to secure a line of credit and was wondering what banks are my best bet I have a 667 fico.

[SpiceIslander]

Welcome to the forums! Securing a line of credit is not solely dependent upon your FICO score. They will look at your entire credit profile and your income in addition to how much you're asking for. You'll have to let us know what credit you currently have and the status, whether you have negatives, utilization, etc. I would suggest a credit union or a bank that you have an established relationship with.

[Creditaddict]

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greenspan wrote:

I am looking to secure a line of credit and was wondering what banks are my best bet I have a 667 fico.

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1. Who do you bank with currently for checking?

2. Are you current member of any credit unions?

3. How much are you looking for?

4. Do you need it now up to certain amount or you want it just sitting?

[greenspan]

I currently have checking accounts with Wells Fargo and PNC.

I am a member of Associated CU

I am looking for a line of $10,000

I am looking to use it to make various investments.

[greenspan]

I make around 6,800 per month.  I have 24 months of clean payment history and a 11 year old credit history.  I have 10% utilization of a total of $2,800 in crecit card limits.

[Creditaddict]

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greenspan wrote:

I currently have checking accounts with Wells Fargo and PNC.

I am a member of Associated CU

I am looking for a line of $10,000

I am looking to use it to make various investments.

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What Credit Cards do you currently have and those limits and balances?

If not part of my above question, do you have any credit with Wells or PNC?

[greenspan]

Bank of America Secured $1000limit /$20 bal

Cap 1 500/ 5

Cap 1 750/15

Orchard Bank 500/10

Applied Bank 500/5

  No lines with Wells or PNC.

Thanks 

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[Creditaddict]

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greenspan wrote:

Bank of America Secured $1000limit /$20 bal

Cap 1 500/ 5

Cap 1 750/15

Orchard Bank 500/10

Applied Bank 500/5

  No lines with Wells or PNC.

Thanks 

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Who is your 667 Fico with?

When is last Baddie, what is still showing unpaid? Any bk's?

[greenspan]

EFX 667
TU 662
All accounts are paid except mortgage and auto. Last late was 8/2010 no bks

[adavis425]

LOL! Greenspan, I just have to laugh.  Do you feel as if you've just gone through the app process? I know folks here need this info to answer your questions and help you out, but it just struck me as funny while reading each post. Welcome and good luck!