General Credit Topics

[pat0812]

HelloHello, I started to build credit 4 months ago

I started with a secured card and I'm always under 10% utilization and 

Pay all my bills on time. My report is clean

I recently got approved for capital one unsecured card and Walmart 

Anyway people tell me I will probably start around a 680 fico score 

I wanted to know what are my chances to get approved with AT&T for opening an account without a deposit?

[SpiceIslander]

I don't think you'll have a problem Good luck!

[jsucool76]

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pat0812 wrote:

HelloHello, I started to build credit 4 months ago

I started with a secured card and I'm always under 10% utilization and 

Pay all my bills on time. My report is clean

I recently got approved for capital one unsecured card and Walmart 

Anyway people tell me I will probably start around a 680 fico score 

I wanted to know what are my chances to get approved with AT&T for opening an account without a deposit?

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With walmart you get a free TU08 FICO score. Once you receive your card opt for paperless statements and you'll receive a free score once a month. This score is real and will give you a little info on where you stand. I'm not sure who AT&T pulls, but if all of your reports show the same information your scores should be similar. 

[aussiesareforever]

I got an AT&T account about a year post BK. I hadn't been late after the BK but I had only one CC that was a few months late. I didn't require a deposit and I was actually pretty suprised. I think you'll be fine.