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02-07-2010 05:26 PM
no one will pre qualify me even though i have good credit. orchard bank is only interested in offering me a secured card. my scores are TU 707 EX 724(i think) EQ 742. this is humiliating. why wont they pre-approve me?
02-07-2010 06:12 PM
no one will have the exact reason why, it could be your scores, your report, your history, age of accounts, inquires, baddies, tons of factors, try another place if you can't get it there.. hsbc is no good, try like walmart, or paypal, or even hooters.
what is your true myfico score?
02-09-2010 09:00 AM
02-09-2010 09:16 AM
I have credit numbers like that, and only after two and a half years of working on my credit and doing everything right did I receive a pre-approval offer from any company.
How long is your credit history? That's just as relevant as your scores.
02-09-2010 09:22 AM - edited 02-09-2010 09:24 AM
02-09-2010 09:40 AM
I'd be carefull about applying to prime cards if your history isn't long, though. When I first started, my scores where all 730+ and my credit profile was pristine except for having a very short credit history. I figured I could go on an app spree and get good credit lines, but I was wrong. They don't just look at your scores, they look at your account age as well.
I'd suggest getting the BoA 99/500 card and perhaps a Best Buy card, but don't be surprised or shocked that you don't have them banging down your door with pre-approval letters if the length of your credit history is short.
02-09-2010 09:45 AM