Credit Card Center Advertiser Disclosure

Reply
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
Highlighted
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!

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.