Posts: 14,051
Registered: ‎04-15-2011
Re: Fico is 741, when do I Start Applying for Credit Cards?

6 months of positive TLs is considered a good starting point.  Your AAoA is what's hurting you right now.  Let that age just a bit and you should have pretty good odds at getting decent cards.  I would recommend that you get a GECRB card such as Walmart or so.  They tend to grow and give good CLs that will help you get higher CLs with other cards.  Oh, and if you want, I think you're more than good to go for one of those right now.  Good Luck!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!