03-16-2009 04:38 PM
i was just declined for a chase biz card...my scores are TU-626, EX-651, EQ-761.
the rep said i needed to keep on building my credit...to get higher limits..yada, yada, yada...but how am i supposed to do this if no one will give me a CC.
i have cap 1, hsbc & credit one cards.....i thought my scores were good enough for some credit cards but i guess not.....should i get a couple of store cards....would that help?
will cap 1 issue you more than one card at a time?
03-16-2009 05:12 PM
03-16-2009 05:33 PM
03-16-2009 06:56 PM - edited 03-16-2009 07:13 PM
thanks concorduser....it think i will try....the only thing i am worried about is that i have 2 cc baddies on my EQ report......and i was just declined for a chase biz card.....they said my fico was no where near what myfico.com reports. people have started to explain the reason why they might have had a different number then the one i get from here.
any other store cards that just pull EQ? i think in order to build my credit back up...I may have to go this route for right now.
my tu is 626 & ex is 656
03-16-2009 08:43 PM
hey concorduser - is it true that with the Nord Sig Card they do not report the CL?
would i be better off getting the plat and have them report the CL?
been readin a lot about it...seems like they pull sometimes from TU too...but if you think it's mostly EQ...i will give it a try!
03-17-2009 11:38 AM
DECLINED....for their visa card.
uggggghhhhhhhhhhhhh.....they said based on my credit lines and available credit....i am declined. i know my util. is probably high, but i think my lack of high credit limits is killing me.......how do i get some cards that will give me some good credit lines,,,,this is getting so frustrating!
they are going to see if i can get approved for a store card.....these baddies from 2003 are killing me...ugghh
midland does do a pay for delete do they?
03-17-2009 01:33 PM
DECLINED....for their visa card.
Did they approve for the store card? If you get the store card after 6 months they will upgrade to Visa and give you larger credit.
03-17-2009 06:43 PM
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.