Reply
Member
Posts: 5
Registered: ‎05-02-2007
0

641 SCORE AND CREDIT CARDS?

Does anyone know where I can get an cc approval with a 641 score?
Established Member
Posts: 28
Registered: ‎05-07-2007
0

Re: 641 SCORE AND CREDIT CARDS?

you can get a secured cc
Member
Posts: 5
Registered: ‎05-02-2007
0

Re: 641 SCORE AND CREDIT CARDS?

No unsecured?
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: 641 SCORE AND CREDIT CARDS?

Yes you can get an unsecured card. We need more info though.. what are your three FICO scores? What does your credit reports look like? Any negative info?
Frequent Contributor
Posts: 452
Registered: ‎04-07-2007
0

Re: 641 SCORE AND CREDIT CARDS?

Tuscani, as many others, can advise you better on this than I; but, my husband recently received a  2000 limit, unsecured, on a Washington Mutual with barely 600, a late by 30 days and two medical collections.  I wouldn't simply apply, but call them, and ask what their credit criteria is.  It seems a fairly easy, and decent card to get.  You  might also try --whogavemecredit.com and scroll to your state.  I had trouble pulling it up -- whogavemecredit.com, until I put it in the main search engine with the full address http://www.whogavemecredit.com.  (Is that allowed?)  It gives you information from various, un-named, applicants, their income, sometimes, what their credit scores were and who approved and denied them credit by state.  If nothing else, it might help you to know better who not to apply to.    Hope this helps. 
New Visitor
Posts: 2
Registered: ‎05-08-2007
0

Re: 641 SCORE AND CREDIT CARDS?

Last year I had a credit score of 550 and I had just gotten a card with American Express - the gold with a limit of $2,000. I had also just gotten a Household Card with a limit of $300, so I know both of those banks will give unsecured cards to people with low credit scores. This year, I've kept the balances paid off, which has helped my score a lot (among paying bills on time, etc.) and American Express has increased the limit to $8,000, Household to $800. It's worth a look if you really need a card.
Valued Member
Posts: 34
Registered: ‎04-26-2007
0

Re: 641 SCORE AND CREDIT CARDS?

[ Edited ]
After being denied, a member of another forum called to ask about criteria for Washington Mutual.
 
One of the criteria for Washington Mutual is 3 TL's in good standing with at least 6 months history on each. Might be 3 CC's instead of general TL's, but can't quite remember.
 
Cap One, approved me for $750 with scores with low score of 615, mid of 632, and high of 639. No BK, no collections, some 30-60-90 day lates. The most recent which was 18 months prior to my application at the time. They checked all three CRA's.
 
 


Message Edited by clarrkkent on 05-08-2007 12:14 PM
2012 - EQ 785

2010 - EQ 680
2007 - EQ 630
2006 - EQ 600
Highlighted
New Member
Posts: 1
Registered: ‎05-08-2007
0

Re: 641 SCORE AND CREDIT CARDS?

Try Orchard Bank. If you are unable to get an unsecured credit card what they can do is offer you a secured one which can be converted to an unsecured one later. Then you don't have to open a new account. Bank of America does this as well. They automatically convert it to an unsecured CC after 2 years.
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 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.

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.