Reply
New Contributor
Posts: 69
Registered: ‎08-14-2007
0

Who will pull Ex and approve at 698?

A friend of mine just pulled her FICO and her highest score was EX, 698.  Right now she has two open trade lines, a auto loan and a credit card but only as an AU.  She is worried that when AU no longer counts her score will go down.  She wants to apply for a CC but not waste INQ's by not getting approved.  The only issues on her report is a collection from Verizon, and a Bankruptcy that was discharged in '99.  What is her best bet?
Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007
0

Re: Who will pull Ex and approve at 698?

cccu pulls ex, but try whogavemecredit.com and see if anything else is more desireable.
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
0

Re: Who will pull Ex and approve at 698?

If the collection baddie on her report is very new, it will hurt her. if a few years old, not very much, from what I've learned off this forum. With a score of 698, that's pretty good, imo. If I had that score, and no cc's, I'd stay away from Amex & Discover, and apply for 1 prime lender like a bank, or Credit Union, say for example Bank of America, Chase, or Wells Fargo. Plus a Credit union like CCCU(that's the CU I'm going to be applying for. It's highly recommended here). Capital One would be another one. In any event, she needs to explore the possibilities, and the only way I know how is to apply. BUT WAIT! There IS the BoA's website where you plug in your personal info, and you can see, what, if any cc's you will be preapproved for. THAT'S a great place to start. Only to find the link. lol. I'll post when I find it. IMO, in all likelihood, she'll be approved, UNLESS the baddie is very recent. Good luck to her!
"Never ever, ever be late. Never" (FUTR)
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
0

Re: Who will pull Ex and approve at 698?

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx
"Never ever, ever be late. Never" (FUTR)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

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. 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.