Regular Contributor
Posts: 147
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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Frequent Contributor
Posts: 391
Registered: ‎02-01-2010
Re: Important AT&T credit check

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

Meg.

FICO: 10/2015 - TU 796 | EQ 801 | EX 806

FNBO 19,650 | Amex BCP 13,400 | Barclays / Sallie Mae WMC 13,000 | Lowes 10,000 | PLOC 9,300 | Discover IT 8,300 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Super Contributor
Posts: 7,102
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: 767
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

Barclay's Apple Financing Card ($8400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)--- Discover IT ($11,000)