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650 not a okay score anymore?

Established Contributor

Re: 650 not a okay score anymore?


ShinBeats wrote:

My transunion score per barlcay and discover is 651, my FICO Equifax is 642 and Experian 647. My profile looks like:

 

NFCU: $1910/4000 - 1 month old

NFCU: 1860/2000 - 3 years old

Discover IT: 100/1450 - 2 months old

Apple Barclay: 830/1200 - 4 months old

Merrick Bank: 0/1000 - 1 Year and  half old

CapitalOne QS: 0/1000 - 4 years old

CapitalOne QS: 0/1250 - 3 years old

First Premier: 0/300 - 4 years old

First Premier: 0/300- 4 years old

AU Amex Gold - 29 years old

 

Unpaid BOA Charge Off from 2008, Unpaid Spritn chargeoff from 2008....
5 Inquiries in the past  year.

 

No lates since 2011.

 

Chase, Citi, AMEX, and even PenFed PreQual showed me nothing. I felt downright insulted when US BANK offered me a US Bank Contour prepaid.
I just feel like i'm getting nowhere fast...


Remember, pre qual isn't everything. I was not pre qual'd for any of my cards, plus a pre qual can still mean denial. And don't feel insulted by US Bank. I was just approved for an AMEX with a 742 FICO, and my offer from them is also the Contour card. Just laugh it off, garden those new TLs for at least six months, and then see where you stand at. Smiley Happy






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Highlighted
Valued Contributor

Re: 650 not a okay score anymore?


ShinBeats wrote:

My transunion score per barlcay and discover is 651, my FICO Equifax is 642 and Experian 647. My profile looks like:

 

NFCU: $1910/4000 - 1 month old

NFCU: 1860/2000 - 3 years old

Discover IT: 100/1450 - 2 months old

Apple Barclay: 830/1200 - 4 months old

Merrick Bank: 0/1000 - 1 Year and  half old

CapitalOne QS: 0/1000 - 4 years old

CapitalOne QS: 0/1250 - 3 years old

First Premier: 0/300 - 4 years old

First Premier: 0/300- 4 years old

AU Amex Gold - 29 years old

 

Unpaid BOA Charge Off from 2008, Unpaid Spritn chargeoff from 2008....
5 Inquiries in the past  year.

 

No lates since 2011.

 

Chase, Citi, AMEX, and even PenFed PreQual showed me nothing. I felt downright insulted when US BANK offered me a US Bank Contour prepaid.
I just feel like i'm getting nowhere fast...


You have 3 years of no lates, 2 derogs, and new credit. I have scores above 790 and I would still be turned down for new credit alone.  New credit is a signal that you may be building up credit and then filing for bankruptcy.  Everyone is a lot more cautious right now and they're going to see whe you'll do with your new credit.

 

Be patient, go to the garden and let the derogs fall off.

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


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Established Contributor

Re: 650 not a okay score anymore?


bdhu2001 wrote:

ShinBeats wrote:

My transunion score per barlcay and discover is 651, my FICO Equifax is 642 and Experian 647. My profile looks like:

 

NFCU: $1910/4000 - 1 month old

NFCU: 1860/2000 - 3 years old

Discover IT: 100/1450 - 2 months old

Apple Barclay: 830/1200 - 4 months old

Merrick Bank: 0/1000 - 1 Year and  half old

CapitalOne QS: 0/1000 - 4 years old

CapitalOne QS: 0/1250 - 3 years old

First Premier: 0/300 - 4 years old

First Premier: 0/300- 4 years old

AU Amex Gold - 29 years old

 

Unpaid BOA Charge Off from 2008, Unpaid Spritn chargeoff from 2008....
5 Inquiries in the past  year.

 

No lates since 2011.

 

Chase, Citi, AMEX, and even PenFed PreQual showed me nothing. I felt downright insulted when US BANK offered me a US Bank Contour prepaid.
I just feel like i'm getting nowhere fast...


You have 3 years of no lates, 2 derogs, and new credit. I have scores above 790 and I would still be turned down for new credit alone.  New credit is a signal that you may be building up credit and then filing for bankruptcy.  Everyone is a lot more cautious right now and they're going to see whe you'll do with your new credit.

 

Be patient, go to the garden and let the derogs fall off.


This, and personally I wouldn't recommend PFD for you right now as it appears you are already carrying credit card debt on several of your cards.  Pay down your balances, garden, and then once you get the money PFD if that is important to you.