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Regular Contributor
Posts: 122
Registered: ‎01-27-2014
0 Kudos

605 Experian Credit Score

My credit score from Experian is 605.


I have a few closed accounts where I do not owe.


I have two closed Secured Credit Cards that I owe.


I owe Capital One $656 where the Credit Limit is $590 and that was closed by consumer's request.


I owe Discover Secured $198 and Credit Limit is $200 and was closed by creditor.


I have about 90 Hard Inquiries or could be more than 90.


Even though my score is 605 and I still would not qualify for a regular Credit Card, right?

New Contributor
Posts: 107
Registered: ‎05-02-2017

Re: 605 Experian Credit Score

I don't mean to be rude but if you have 90 inquiries have u already applied everywhere? You may have to start with the no credit check lenders
Regular Contributor
Posts: 247
Registered: ‎02-07-2017
0 Kudos

Re: 605 Experian Credit Score

With two closed, maxed out, secure credit cards, I can't imagine why any reputable credit card company would give you an additional card. Heck, I can't even see why a subprime lender would give you one at this point. I'd recommend taking care of your two outstanding debts, while letting some of those inquiries age, before even considering applying for another card. You are just making your situation worse.

In the garden until spring 2018. Final date to be determined by closing on my new house!

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