Contributor
pat0812
Posts: 91
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: EQ 683 TU 714
Current Score: EQ 683 TU 714
Goal Score: EQ 740 TU 740


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Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010
Re: Important AT&T credit check

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

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Valued Contributor
jsucool76
Posts: 2,770
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. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
aussiesareforever
Posts: 740
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 ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)