Established Member
britishexpat
Posts: 28
Registered: ‎05-08-2012
Re: Experian Score so low

Also I am getting denied on all applications elsewhere... I thought that waiting till at least one card was at 6 months at least would be a good time to apply for credit... getting high HP's on file due to this... how long should I wait? I have 0 utilization on all cards right now... my fako scores with TU and Eq should be in early 700's this month... and FICO with walmart should rise to high 600's? what am I doing wrong here? are my denials all down to experian giving me such a low score?

Started Credit ladder April 2012.
First Year on ladder Scores: April 2013
Walmart TU FICO 654
Equifax FICO 617
Experian FICO 639
Transunion FICO 654

Started with very low limits at 300 each.
one year in limits and some nice New Cards in wallet:
Amex Green Open Limit
Amex Gold Rewards Open Limit
Amex Dillards 1k
Chase Slate 3.5k
Lowes 1.5k
Amazon 1.5k
Walmart 1k
TexacoChevron 1k
Furniture Row 1.7k
Cap 1 newcomers 750
Cap 1 Secured 450 (kept for AAoA)
Banana Republic 800
Chase Freedom 500
14.5k in first year, plus 3.5k Cap 1 Business (18k)

current UT @ 30% will all be clear this month so expecting scores to rise to 700's.

not bad for first years credit.