Reply
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

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 :smileyhappy:
Valued Contributor
Posts: 2,978
Registered: ‎02-09-2012
0

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 and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

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 :smileyhappy:
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

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

Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

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 :smileyhappy:
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

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 :smileyhappy:
Established Contributor
Posts: 1,026
Registered: ‎02-27-2012
0

Re: What is excellent?


RN67 wrote:

And what exactly is a PRIME card?


Good rewards and benefits from a good bank.

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009
0

Re: What is excellent?

[ Edited ]

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
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

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. :smileyhappy:  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 :smileyhappy:

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.