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Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013

Re: What credit card? 627 Fico EQ score

      If you want a card with a CL of 3-5k within the next year, What you should do is get a secured card for as high of a CL as you can afford or get approved for. I would recommend Bank of America. As your credit improves they will graduate it to unsecured but more importantly, when you apply for "prime" cards 6 months or a year down the road they will see the CL from your secured card and will offer similar ones... Good luck.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Contributor
Scupra
Posts: 1,133
Registered: ‎07-12-2012

Re: What credit card? 627 Fico EQ score

I dont know what your history is like with NFCU but have you looked into opening up another card through them? Just an idea!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
New Contributor
dannyb407
Posts: 59
Registered: ‎09-17-2011

Re: What credit card? 627 Fico EQ score

True regarding the First premier's fee's, however, those are my longest credit tradelines right now, and I really don't want to ditch that, just YET. I will after I grab a mortgage. Im thinking about grabbing a new bedroom set, do you think any furniture store will approve me for about $1500 to $2000?

New Contributor
dannyb407
Posts: 59
Registered: ‎09-17-2011

Re: What credit card? 627 Fico EQ score

My history is perfect through them, no lates at all. I will think about grabbing another card through them as well, they have been REALLY generous.

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: What credit card? 627 Fico EQ score

Whether or not a furniture store will lend you credit after closing on the mortgage will depend on credit score, history, and utilization.

Could you elaborate on what you said, "I hit the reset button..."? Did you go through DMP or BK?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
New Contributor
dannyb407
Posts: 59
Registered: ‎09-17-2011

Re: What credit card? 627 Fico EQ score

No, I hit my own reset button. No BK's here. Just paid off and got everything that was bad on my credit profile removed and started fresh.

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: What credit card? 627 Fico EQ score

Okay. I wouldn't bat you if you did file BK...it just would have taken a longer time to get to where you are going.

I think 627 is a little low for furniture store credit. If they did extend it, it might not be the limit you are asking for. But your credit has a lot of potential between now and then so I wouldn't get hung up on the now.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
New Contributor
dannyb407
Posts: 59
Registered: ‎09-17-2011

Agree with you, and I wasn't being snappy at all like you...

Agree with you, and I wasn't being snappy at all like you thought. Just the way it sounded. I know if I keep my balances down and continue to pay everything ontime, I will certainly be close to 700 by the end of the year. 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: I'd like no annual fee, and at least a 4-5k limit.


dannyb407 wrote:

Yep, pushed the credit "restart" button a year ago and now have the courage to apply for cards again. I need them as I'm applying for a mortgage soon. I just have a 5k limit navy federal cash rewards cc that I've had open since December, a 300 and a 250 limit First premier cc's. 


If I were you i'd be axing those FP cards. Too many fees plus your 5K CU cards blows them out the water.

 




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