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What credit card? 627 Fico EQ score

New Contributor

What credit card? 627 Fico EQ score

Can someone recommend any? 

Message 1 of 19
18 REPLIES
New Contributor

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

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

Message 2 of 19
Regular Contributor

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

Unfortunately, I dont think you will be able to find that kind of limit unless you have a very high income.  You need to include more info so people can try to help.  aaoa/income/whats your report look like?

 

Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)
Message 3 of 19
New Contributor

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

Thanks for the quick response. 

 

Income last year was 67k, report is clean, no collections, past dues. 

Message 4 of 19
New Contributor

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

It sounds like you are fairly new to credit? What cards do you have and what are their CLs?

Message 5 of 19
New Contributor

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

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. 

Message 6 of 19

Re: What credit card? 627 Fico EQ score

Google "credit pulls". You should come up with a site that let's you pick the CR and score you want. This helped me find what I could potentially obtain. YMMV though, but there is a lot of info here...hope it helps.
Message 7 of 19
Valued Contributor

Re: What credit card? 627 Fico EQ score

www.whogavemecredit.com

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 8 of 19
Regular Contributor

Re: What credit card? 627 Fico EQ score

Sounds like youre in much better shape than I first thought.  That Navy card will help show other lenders you are able to handle those kind of limits.  Often times they compete with eachother by giving similar lines.

I would wait until that nfcu turns 6 months and check your score again.  I bet you will be high enough to get something like Discover.  Nothing increases those scores like time!

 

Creditboards.com has a credit pull database and you can see the scores others had when applying for particular cards.

 

Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)
Message 9 of 19
Established Contributor

Re: What credit card? 627 Fico EQ score

You should get rid of the First Premier cards ASAP.  Their fees are exhorbitant and since you have a Navy Federal card, you don't really need them.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 10 of 19