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Established Member
KayMD
Posts: 77
Registered: ‎09-27-2010

My Credit Profile

[ Edited ]

Just check online and I was aprroved for the Wells Fargo College Card, Now I am happy and will be taking a break for a year at only 20 I think am doing okay for myself. What you guys think? Please take a look at my profile. For Wells Fargo they gave me $700.

All cards current/no late payments.
AMEX Zync
Date Open: 04/2011
$536/ Charge Card
CAPITAL ONE (24.9%)
Date Open: 8/2010
$445/$500
FPB (First Premier Bank) (21.10%) (First card ever should I give this up?)
Date Open:8/2009
$111/$200
Experian - 639, Equifax - 599,TransUnion - 650
Frequent Contributor
Odiseous
Posts: 286
Registered: ‎03-08-2011

Re: My Credit Profile


KayMD wrote:

Just check online and I was aprroved for the Wells Fargo College Card, Now I am happy and will be taking a break for a year at only 20 I think am doing okay for myself. What you guys think? Please take a look at my profile.

All cards current/no late payments. 
AMEX Zync
Date Open: 04/2011
$536/ Charge Card
CAPITAL ONE
Date Open: 8/2010
$445/$500
FPB (First Premier Bank)
Date Open:8/2009
$111/$200

3 open credit lines is good. 

 

Though; your utilization is a bit high (FP at 56%, Cap1 at 89%; for a total of 80% overall). Note: As Zync is a charge card, it calculates different on most scoring systems. 

 

You may want to think about getting the utilization down; before you apply for anything else. 

TU98 751, EQ 766, EX 766 (Lender)

If at first you don't succeed; Garden for 6 months, then try again.

Work the system. Don't let the system work you.
Established Member
KayMD
Posts: 77
Registered: ‎09-27-2010

Re: My Credit Profile

True. That's part of the main reason I am going to sit out for a year and not apply for anything.

Established Member
KayMD
Posts: 77
Registered: ‎09-27-2010

Re: My Credit Profile

What about my scores?

Established Member
ColtonShoemaker
Posts: 39
Registered: ‎10-13-2011

Re: My Credit Profile

Do you mind if I ask if Wells Fargo asked you to prove that you were enrolled for that card. I'm thinking of applying for it, but proving enrollment can be such a headache! :smileyhappy:
My Wallet: Capital One Platinum ($500 limit), Citi Forward ($1200 limit), Target RedCard ($700 limit), American Express Zync.

Next On My List: Discover More
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: My Credit Profile


KayMD wrote:

What about my scores?


Since you've listed all three, it's highly unlikely that they are FICO scores, so they're probably pretty irrelevant to what lenders are looking for.

 

Where'd you get your scores?

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
KayMD
Posts: 77
Registered: ‎09-27-2010

Re: My Credit Profile

Yeah. They did but all I did was faxed them my I.D. and a list of my clases and the next day I was approved .

Established Member
KayMD
Posts: 77
Registered: ‎09-27-2010

Re: My Credit Profile

From Wells Fargo credit program. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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