01-05-2009 05:21 PM
Every person I have ever talked to at Us Bank has said 680. usually you hear many different numbers from different employees because no one really knows, so they put there own 2 cents in... but US bank seems to know the number.
however lately they care about Debt a lot too above and beyond the 680, but yet they don't seem to mind high util on there own cards if you use there bt offers, etc.
01-05-2009 05:38 PM
01-05-2009 06:12 PM
01-05-2009 09:40 PM - edited 01-05-2009 09:42 PM
I can add two to the list that have some issues or at least for me they did:
1. HSBC Secured: Problem is I sent them a $300 money order to open one, and they sent it back to me and said "we are unable to open the saving account required for this type of account." I am on ChexSystems!!! HSBC would not open a blasted savings for me, but if your ARE NOT ON CHEXSYSTEMSm, here is an option.
2. First Mark Credit Union (San Antonio) Secured: I opened a secured card with them with a $300 with a TU score of 575. They are picky about giving CLI even if you have the money deposited into a savings. They want to see low utlization and I opened 12 new credit card accounts in 1 year. That freaked them out.
Also, First Mark is reporting it as a regular credit card. The secured notation is not present on the CRAs.
Anyone in SA can be a member of FirstMark.
If you know a mainline secured card that dosen't care about ChexSystems and is NOT Wells Fargo, please post it.
03-05-2009 07:00 AM
Friendly, Supportive & Respectful
"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli
03-05-2009 07:33 AM
03-05-2009 11:21 AM
03-05-2009 12:38 PM
06-28-2009 06:30 PM - edited 06-28-2009 06:31 PM
National City used to approve everyone for secured cards last year but they have been bought by PNC and things have changed but It doesnt hurt to call and ask if they still provide secured cards. The only thing with them it doesn't unsecure you have to close it out and open a new card after a year or so but it does help you rebuild and I think when it has served its purpose you will be able to get unsecured credit. I believe they pull TU.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.