Regular Contributor
Posts: 137
Registered: ‎09-10-2012
Important AT&T credit check

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?


Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770


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Regular Contributor
Posts: 369
Registered: ‎02-01-2010
Re: Important AT&T credit check

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

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Super Contributor
Posts: 6,039
Registered: ‎12-11-2011
Re: Important AT&T credit check

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?


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. 

Established Contributor
Posts: 761
Registered: ‎10-04-2010
Re: Important AT&T credit check

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.

BK in 2008, after making very stupid financial. decisions.

Barclay's Apple Financing Card ($8400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)--- Discover IT ($5000)