12-17-2012 11:53 AM
You would want your TU score to be around 600, over 620 is optimal I believe.
12-17-2012 11:54 AM - edited 12-17-2012 11:59 AM
Seems that they usually pull TU...
Check out: whogavemecredit.com
12-17-2012 12:10 PM
Any idea as to where a TU score sets in relation to EQ and EXP? Thanks
There's no set variance, each bureau's model treats different profiles uniquely. TU tends to be my middle score.
I agree with Shogun, 600 minimum, 620 optimum. 680 or so I think could get the Discover version.
Financed car @ 5.49% w/ DCU, Added DCU VIsa, Chase Freedom,
AMEX Gold and BCE, Lowe's
12-17-2012 12:17 PM
When I applied I had a GE product (PP smart connect), they pulled TU which was around 726 at the time. My Util was 3% and only had 1 30 day late as a negative (other than an inquiry from a loan in may).
Beware of applying with a short history, high util and too many inquiries. I have seen 2 family members get declined for too many inquiries (3-5), short credit history (6-8 months) and high util (over 50%).
On the other hand, PP instant approved me for $300 even though I had a 30 day late the month prior that had already reported and only had another account with extremely high util (85%!). So that is another option for a card that grows with you and is lenient with approvals.