Reply
Valued Member
Posts: 45
Registered: ‎02-01-2011
0

am I ready to app for prime cards?

Ok. I have 696 EQ, 681 EX, 660 TU. Aaoa is 6yrs and 5 months. Util is 34%. Inquiries are 2 EX, 0 EQ, 3 TU. One baddie, medical collection that's scheduled to fall off at the end of 2013. I had lates on 3 accounts back in late 2009. I have been current on all accounts since. I have 2 bankamericards with 2500 limit each, discover with 3000 limit, 2 capitalone with 750 and 900, Mid-America with 1600. So can I app again or garden the cards I have? Most of these cards are sub-prone except for the discover. What do you think?
Regular Contributor
Posts: 220
Registered: ‎08-10-2012
0

Re: am I ready to app for prime cards?

Only thing that might hurt is the collection and the 34% Util

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: am I ready to app for prime cards?

I would suggest trying to get your uti down. You may be able to squeeze out a few more points. If you can get the collection removed your scores will probably get up to the 700s.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: am I ready to app for prime cards?

uti down less than 9%
work on your baddie.
then you ready.

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

Highlighted
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: am I ready to app for prime cards?

did you pay the medical collections? if so send them a whychat's hippa process DV and it'll come off your reports now, also bring your utility down and you'll be fine for prime.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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.