08-29-2007 04:10 PM
08-29-2007 04:12 PM
I cut up my credit cards a long time ago and need to get a new one to rebuild my credit. My score is 616 but Fico doesn't tell me if it's fair or poor so I can apply for the right card. I applied for a Capital One card through another site before and got declined. They state that 616 is not good but i don't know if that's fair or poor. I don't want to waste time applying for a card I won't get. Thanks.
Which cap one card did you apply for. The limited credit one or the one that needs improvement? Creditors are getting singier by the day. You may want to stop by www.orchard.com or www.householdbank.com They do have annual fees from 39-79.00 but I am against those that have a 150.00 fee plus a maint fee plus an annual fee.
08-29-2007 04:17 PM
08-29-2007 05:32 PM
08-29-2007 05:39 PM
Unfortunately 616 falls into the "poor" category. There are CCC who will work with you, but they most often are fee based cards.
wondering wrote:If you click the "get a credit card" button it has the credit cards by categories of excellent, good, fair, and poor and I can't tell which one I fall into.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.