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Established Member
TryAgain88
Posts: 33
Registered: ‎12-30-2009

Orchard Bank CC?..

What score do you need to be approved? I have a 563 thru EQ and I still can only get the secured card. I'm hoping I'm close to being able to get the unsecured!! :smileyhappy:
12/10/10 Score 418
C/C's:
Orchard Bank / Unsecured / $300 Limit
Credit One / Unsecured / $250 Limit
Trying to pull the score back up after some collections and student loan LP's.
Regular Contributor
hawkeye33
Posts: 248
Registered: ‎09-04-2008

Re: Orchard Bank CC?..

I got mine with $300 CL in May 2008 with a score of around 580. Of course, that was before the credit crunch, but I think you might be able to get something with them if you get up over 580 or 590.
Valued Member
jennordy
Posts: 48
Registered: ‎11-21-2007

Re: Orchard Bank CC?..

I got approved in Sept. 09 but they pulled Experian so I don't know the score.  I can tell you I had a BK7 discharged in March 09 and had 6 negative accounts (all zeroed out and IIB except one that says charged off but was prior to my BK) and 18 accounts in good standing on my credit report.  In June I got approved for a Credit One card and Kay's and Jared.  According to TC (which isn't saying much....lol) my score was 591 but went up to 633 the following month (after it was added to my credit report).  HTH.
FICO® Scores 11/07: TU 531 -- EQ 457 -- EX 464; 08/09: TU 518 -- EQ 597 -- EX ??;
09/09: TU 590 -- EQ 610 -- EX ??; 05/10: TU 610 -- EQ 611 -- EX ??
EQ: 17 to 4 baddies; 3 to 1 public records
EX: 24 to 5 baddies; 2 to 1 public records
TU: 28 to 2 baddies; 3 to 1 public records
New Contributor
swins24
Posts: 67
Registered: ‎09-21-2009

Re: Orchard Bank CC?..

i have a fico tu 529 and eq 520 and got aproved going thru credit karma's web site my karma fako was 577 three days ago i went straight to the orchard site listed on myfico and it would only prequalifie me for a secured card i went to credit karma page and did the same prequalification the verry next day and it approved me for a 320 cl with 19 down an 75 processing fee this was in the last three days they pull from experian only i did get a fico alert the next day but in my case it didnt change my score but it did alert th inquire
Regular Contributor
QueenBean
Posts: 126
Registered: ‎12-21-2008

Re: Orchard Bank CC?..

[ Edited ]

I was able to get an Orchard cardearlier this year with about a EQ 550.

 

Message Edited by QueenBean on 12-31-2009 07:18 PM

Message Edited by QueenBean on 12-31-2009 07:18 PM

Starting Score: 527
Current Score: 679
Goal Score: 800


Take the myFICO Fitness Challenge
Established Member
TryAgain88
Posts: 33
Registered: ‎12-30-2009

Re: Orchard Bank CC?..

lol that makes no sense that people are getting it with 550, but I can't with 563. lol

Go figure....... :smileytongue:

12/10/10 Score 418
C/C's:
Orchard Bank / Unsecured / $300 Limit
Credit One / Unsecured / $250 Limit
Trying to pull the score back up after some collections and student loan LP's.
Valued Contributor
nothingman02
Posts: 1,072
Registered: ‎02-15-2009

Re: Orchard Bank CC?..

If you dont have any open CCs, Orchard unsecured would likely want around 580 - 600.
New Member
darkbluedean
Posts: 2
Registered: ‎12-31-2009

Re: Orchard Bank CC?..

[ Edited ]

I just got denied by Bank of America for a secured CC.

 

Does Orchard Bank run your credit to get a secured CC?

 

Thanks in advance. 

PS Sorry for the little threadjack.

 

EDIT:  I just got approved for an Orchard Bank MC.  I have a 568 FICO. $300 CL.  Happy New Year!

Message Edited by darkbluedean on 01-01-2010 12:35 PM
Message Edited by darkbluedean on 01-01-2010 12:36 PM

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