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WHOA! my sister has a EQ FICO SCORE of 705 (UPDATE!)

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BearsAndTurtlesRtheBest
Senior Contributor

WHOA! my sister has a EQ FICO SCORE of 705 (UPDATE!)

What prime cards could she get with this score?? Looking for Discover, Mastercard, and amex CARDS. AAOA 2.5, 4 inqries that are 1 year old already, 30% UTL (i know pretty high) Highest CL is $3K. What you guys think!?!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 1 of 31
30 REPLIES 30
BearsAndTurtlesRtheBest
Senior Contributor

Re: WHOA! my sister has a EQ FICO SCORE of 705

shes 19 and has an income of $18,000

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 2 of 31
kmkotas
Member

Re: WHOA! my sister has a EQ FICO SCORE of 705

Need more info to answer this question. Does she have any other cards? Any negative info? How many recent inquiries? She could apply for a Discover It student card could possibly get approved for the minimum $500 limit. My first credit card at 18 was through 1st Financial Bank USA even though they are total loan sharks and prey on college students, but I was responsible and kept utilization in full so that card is responsible for my excellent credit history.

1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 3 of 31
kmkotas
Member

Re: WHOA! my sister has a EQ FICO SCORE of 705

wow didn't realize you already answered my questions haha it's been a long day i'm sorry. umm i'm not sure honestly. but if i were her i wouldnt even bother applying for amex or chase with all those inquiries.

1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 4 of 31
BearsAndTurtlesRtheBest
Senior Contributor

Re: WHOA! my sister has a EQ FICO SCORE of 705

No negative info. She has ON $1,300 AE $1,250 Lowes (AU) $8,500 Macys $300 Sport Chalet Platinum(US BANK) $3,000 Chevron $1,100.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 5 of 31
BearsAndTurtlesRtheBest
Senior Contributor

Re: WHOA! my sister has a EQ FICO SCORE of 705

Is 4 inq. alot?? They are 1 year old.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 6 of 31
09Lexie
Moderator Emerita

Re: WHOA! my sister has a EQ FICO SCORE of 705

Message 7 of 31
BearsAndTurtlesRtheBest
Senior Contributor

Re: WHOA! my sister has a EQ FICO SCORE of 705

We got a feeling that ON and AE will be offering VISA this month, and dont want to accept until she gets prime cards so that once Offers appear her AAOA has lowered with PRIME cards reporting.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 8 of 31
kmkotas
Member

Re: WHOA! my sister has a EQ FICO SCORE of 705

4 in one year is a lot for a 19 year old with accounts that aren't that old. I'd wait for those inquiries to fall off in a year before applying for anymore cards. Just my opinion.

1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Message 9 of 31
BearsAndTurtlesRtheBest
Senior Contributor

Re: WHOA! my sister has a EQ FICO SCORE of 705

even if her AAOA is 2.5 years?. Whats really helping her is that fact that LOWES is reporting "Open Since April 2003" 

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 10 of 31
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