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What credit card? 627 Fico EQ score

Valued Contributor

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.

Message 11 of 19
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 12 of 19
New Contributor

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?

Message 13 of 19
New Contributor

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.

Message 14 of 19
Valued Contributor

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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 15 of 19
New Contributor

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.

Message 16 of 19
Valued Contributor

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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 17 of 19
New Contributor

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. 

Message 18 of 19
Highlighted
Mega Contributor

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.

 




EQ FICO 548 3/3/16
Message 19 of 19