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What is excellent?

Regular Contributor

What is excellent?

I was looking at the myfico recommended credit cards. When it says credit must be excellent, what scores are considered excellent???

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 1 of 22
21 REPLIES
Valued Contributor

Re: What is excellent?

The offers I recieved on this site were all rebuilders.  Joke, at best...

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 22
Regular Contributor

Re: What is excellent?

Ahh. OK. I have a capital one 500 cl 0 bal. and an Orchard 500 cl $42 bal. Had them since 2006. Thought about another one but not sure which one.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 3 of 22
Moderator Emeritus

Re: What is excellent?

You should try a GE backed card.  Do you shop at Walmart?  They also five a TU FICO monthly if you sign up for paperless billing.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 22
Valued Contributor

Re: What is excellent?

Get some Prime card......you should be fine qualify for it but there no warranty thou......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 5 of 22
Regular Contributor

Re: What is excellent?

I'm scared to apply. I only have one inquiry on all 3 reports and its from 3-2011 when I bought my car. I don't want any inquiries. I'm obsessed with these stupid reports. I've spent so much money just buying reports because I'm so impatient. LOL  I have a couple of things that are waiting to be updated on EQ and TU. I think it will push both scores to 700 or close.  I travel 50 miles one way to work everyday so I spend ALOT on gas. I was thinking maybe a card with gas rewards.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 6 of 22
Regular Contributor

Re: What is excellent?

And what exactly is a PRIME card?

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 7 of 22
Valued Contributor

Re: What is excellent?


RN67 wrote:

And what exactly is a PRIME card?


Good rewards and benefits from a good bank.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 8 of 22
Frequent Contributor

Re: What is excellent?


RN67 wrote:

I was looking at the myfico recommended credit cards. When it says credit must be excellent, what scores are considered excellent???


iirc, scores are rated as excellent if they're over 760 (if you look at your myFICO score, there's usually a section that 'grades' your score as poor, good, excellent, etc)

 

edited to correct myFICO score instead of credt report


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 9 of 22
Regular Contributor

Re: What is excellent?

Thanks for the info everyone. I think I'm going to wait a month and let some stuff update then apply. Smiley Happy  New Year and hopefully new card.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 10 of 22