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Valued Member
johnnypinaz
Posts: 49
Registered: ‎04-16-2013
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What card do you think (if any) I can get

In a month all 3 bureaus will have my score above 700 but for today I have EX 702, TU 584, EQ 587. I was a victim of ID theft and am getting everything cleaned up. EX took only a week which is how I jumped from 490 to 700 in just 2 weeks time.

 

Anyways, can you please tell me currently if there is any unsecured card I could get? Here's my stats...

 

Experian 702

4 months of credit history only (can't even pull a regular fico score yet, only the score from Experian directly. 

Good job with long history ($78K a year)

 

Between those 3 things above can you think of anywhere I could get a card to get a head start on credit building? Would like something with no fees if I pay it off monthly, which I will do.

 

Thanks...


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myjourney
Posts: 26,628
Registered: ‎02-07-2013
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Re: What card do you think (if any) I can get

Glad everything is working out for you BofA is a good option as it graduates over time

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enharu
Posts: 7,008
Registered: ‎02-27-2013
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Re: What card do you think (if any) I can get

I would wait until eq and tu fix your report first, then apply. A lot of companies tend to double or triple pull.
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: What card do you think (if any) I can get


johnnypinaz wrote:

In a month all 3 bureaus will have my score above 700 but for today I have EX 702, TU 584, EQ 587. I was a victim of ID theft and am getting everything cleaned up. EX took only a week which is how I jumped from 490 to 700 in just 2 weeks time.

 

Anyways, can you please tell me currently if there is any unsecured card I could get? Here's my stats...

 

Experian 702

4 months of credit history only (can't even pull a regular fico score yet, only the score from Experian directly. 

Good job with long history ($78K a year)

 

Between those 3 things above can you think of anywhere I could get a card to get a head start on credit building? Would like something with no fees if I pay it off monthly, which I will do.

 

Thanks...


The ability to pull an EX FICO has been non-existant since 2009. Only a denial letter from AMEX, mortgage approvals and a CU in PA can get you an EX FICO.

 

With only 4 months of credit history a secured card is what you need. BofA secured like the above poster mentioned is a good option. I would not recommend Cap1 because they will pull all 3 bureaus and you'll risk a denial.

 

Good luck!!!

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
johnnypinaz
Posts: 49
Registered: ‎04-16-2013
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Re: What card do you think (if any) I can get

What about a store card.. Walmart or Kohls or something like that? Would I qualify for any of those does anyone think?  Thanks


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creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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Re: What card do you think (if any) I can get

walmart pulls tu, but i believe you need at least a 600... but i could be wrong. 

 

i would just wait until your credit reports update. 

 

the boa secured isnt a bad idea, if you could put a couple thousand into it. 

they tend too graduate after a year, and higher limits begit higher limits!

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


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tattooedhusker
Posts: 504
Registered: ‎10-25-2012
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Re: What card do you think (if any) I can get


enharu wrote:
I would wait until eq and tu fix your report first, then apply. A lot of companies tend to double or triple pull.

+1 this

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Walmart $8k | Gordman's $2150 |
Scores: EQ: 676 EX: 714 TU: 720 Goal: 750 across the board
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: What card do you think (if any) I can get


creditnocash wrote:

walmart pulls tu, but i believe you need at least a 600... but i could be wrong. 

 

i would just wait until your credit reports update

 

the boa secured isnt a bad idea, if you could put a couple thousand into it. 

they tend too graduate after a year, and higher limits begit higher limits!


This is the best thing you can do because you never know what bureau(s) they will pull.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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09Lexie
Posts: 26,030
Registered: ‎09-13-2012
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Re: What card do you think (if any) I can get

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
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Re: What card do you think (if any) I can get

[ Edited ]

johnnypinaz wrote:

In a month all 3 bureaus will have my score above 700 but for today I have EX 702, TU 584, EQ 587. I was a victim of ID theft and am getting everything cleaned up. EX took only a week which is how I jumped from 490 to 700 in just 2 weeks time.

 

Anyways, can you please tell me currently if there is any unsecured card I could get? Here's my stats...

 

Experian 702

4 months of credit history only (can't even pull a regular fico score yet, only the score from Experian directly. 

Good job with long history ($78K a year)

 

Between those 3 things above can you think of anywhere I could get a card to get a head start on credit building? Would like something with no fees if I pay it off monthly, which I will do.

 

Thanks...



Hey there and Welcome to the MyFico Community Forums!!

 

I'm sorry you had to go through what you went through, I am working through the same issue for my husband.

Do you mind taking a look at the ID theft guide that I wrote on the forum and compare it to your experience?  First hand knowledge of the process from someone who is also going through the same thing would be very helpful. I posted the guide here.

 

Send me a private message if you have any feedback or tips to add. Thanks! As far as cards are concerned, if your EX is clean, I see no reason not to go for an Amex charge card or an Amex revolver.  Amex has very generous credit limit increase policies, and they can establish your member date for 2013, so that future cards will backdate to the 2013 date, which means they'll report as being opened in 2013. Good luck in whatever cards you decide to apply for!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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