01-01-2013 05:38 PM
656 TU and 664 Equifax scores. Would I have a shot at getting approved for a charge card? Don't think I would get approved for a revolver yet. Utility is at 35 percent would love to get foot in door with them
01-01-2013 05:41 PM - edited 01-01-2013 05:42 PM
honestly probably not.
with the 30% util is hurting your chances.
get that down to under 10 and only 1 card reporting and you will be good for a charge card imo.
what do the rest of your reports look like? any baddies?
p.s. it doesn't really matter when you app for it now since as long as you get a 2013 date! (for backdating purposes)
|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
01-01-2013 06:00 PM
They util is going to kill you, but if you were going to get approved for something, it would be the green.
01-01-2013 06:04 PM
Yep Amex Green is your option for now....
01-01-2013 09:10 PM
+1 to the Green. Just got approved for Green yesterday...my utiliztion was about 26%.
01-02-2013 04:10 AM
Sorry for the aside, but what's the difficulty of getting approved for a AMEX Blue Cash Preferred compared to the Green? Thanks!
01-02-2013 04:20 AM
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.
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.