Credit Card Center Advertiser Disclosure†
02-09-2009 09:14 AM
I applied for a Credit card with these guys
I saw they work with people around a 600 credit score
I hope they see that my baddies are YEARS old and that my new accounts are in good standing
02-09-2009 10:19 AM
02-09-2009 03:15 PM
02-09-2009 04:42 PM
Good luck. However, I think you need to chill on the apps + let your accts age. Otherwise, you’re just racking up inquiries which are lowering your fico. Takes awhile to offset your baddies + w/new ccs, lenders are leery to extend more credit. also, if all you have are subprime ccs now, app sprees are likely just going to lead to more 3 digit cls. i guess it's 'good' (if your goal's simply 'get as many ccs as i can') short term, but long-term it may be better to wait a bit.
btw, why not go for a secured cc w/ba? they took me w/EX of 570s + some baddies (from 03). then again, that was 8 mos. ago + the credit world was slightly easier/better than it is today.
02-10-2009 02:11 PM
02-10-2009 02:15 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.