topic Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY in Credit Card Applications

WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Sun, 20 Nov 2016 20:27:11 GMT

The title of this post says it all. I don't want a denial. Are any of the offered cards worth applying for with 598 (T), 630 (EX) and 650 (EF) scores and no recent credit history? Thanks.

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Sun, 20 Nov 2016 20:35:34 GMT

tryed any pre-qual sites like cap one, i would start there, Amex is hard but i got in that way

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Sun, 20 Nov 2016 20:40:45 GMT

Thanks! I'm looking fo rnon-secured (if possible). I also wish to limit the decision to the partner cards offered here on My Fico. That said, are you referrring the the "Capital One Platinum Credit Card" (dark grey) listed here under the yellow, "Fair" choices dropdown menu? Thanks again!

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Sun, 20 Nov 2016 20:46:13 GMT

no problem and I have that platinum one, got it with mid 500 scores a year or so ago so you shouldn't have a problem

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Sun, 20 Nov 2016 20:49:37 GMT

OK, I'll try it!

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Sun, 20 Nov 2016 20:58:22 GMT

APPROVED! I'm currently seting up my new account! THANK YOU david244us!!!

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 00:59:01 GMT

congratulations Sax, new you would man, now it will grow to better things

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 01:02:46 GMT

Great call, bro! I'm looking forward to it!

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 01:20:06 GMT

I would also try for an Amazon Store card, you get 5% cash back and Synchrony accepts people with no history, no annual fee and soft pull credit limit increases

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 01:30:25 GMT

@Anonymous wrote:
APPROVED! I'm currently seting up my new account! THANK YOU david244us!!!

Congratulations saxbusker,

Now would you mind filling us in on the details of this CL?

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 02:13:18 GMT

Thanks, and great name, FICO DeMio... Assuming "CL" is "credit limit," $300, which is $300 more than I had, so it's fine with me. I have to start somewhere!

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 02:16:56 GMT

Sync Bank is used by music retailers (Sweetwater, etc.). They turned me down 4 months ago for insufficient credit history. Per Sweetwater, their requirements are tight city. That's why I buy my music gear from Zzounds, which has in house credit and gives me a good credit limit. They don't report., however, which is a drag. I'm a good customer and pay my bill there like clockwork. In fact, NONE of the bills that I pay report; hence my interest in a card.

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

SouthJamaica — Mon, 21 Nov 2016 02:25:35 GMT

@Anonymous wrote:
APPROVED! I'm currently seting up my new account! THANK YOU david244us!!!

Congratulations. Now use it well. Best way is to keep using it and paying it down to zero, even multiple times per month. Don't carry a balance on it.

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 05:09:27 GMT

Thank you! Do you mean buy items and also pay off the full balance multiple times per month?

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 05:18:21 GMT

@Anonymous wrote:
Sync Bank is used by music retailers (Sweetwater, etc.). They turned me down 4 months ago for insufficient credit history. Per Sweetwater, their requirements are tight city. That's why I buy my music gear from Zzounds, which has in house credit and gives me a good credit limit. They don't report., however, which is a drag. I'm a good customer and pay my bill there like clockwork. In fact, NONE of the bills that I pay report; hence my interest in a card.

Huh, interesting IME they are very accepting maybe it was just for that card? I believe that is what Jamaica was suggesting, that way when your card reports it will reflect a low utilization.

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Mon, 21 Nov 2016 06:16:47 GMT

As to Sync Bank, that's poosible - that they have tighter requirements for musicians! Ha Ha. In any event, they turned me down, so there's no need to give them another opportunity to ddo so again. I'm VERY happy that I was approved by Capital One Platinum. Remember- I've not had a credit card in decades! THe only reason I have a score at all is a mortgage from my old house; long gone too. So I'll take the "bby steps" with COP. One card to start.

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

Anonymous — Fri, 02 Dec 2016 03:16:15 GMT

Your EQ is not bad at 650. Maybe look into a EQ pulling Credit Union. Try the Amex prequalify site. Also check Credit pulls for your state and only put in 650 and check EQ. See what comes up.

Congrats on the new card.

Re: WHICH "FAIR 600-659" MY FICO PARTNER CARDS APPROVE WITH INSUFFICIENT CRDIT HISTORY

2b2rich — Fri, 02 Dec 2016 04:14:23 GMT

Synch is a strange beast. A few months before I bought my house, I applied for Amazon, Lowes, and Walmart and ended up with SLs of:

Amazon: $700

Walmart: $2000

Lowes: $10,000

The day I closed on my house, all of the above had zero balances, and my scores were actually a few points higher. I went to a local furniture store to get a new bedroom suite for my kid. It came to about $900.00 and I was declined. I asked which bank they used and they said it was Synch. I went home and logged in to find a number to call and found they had auto up'd my Amazon CL to $1900.00 (a $1,200 auto CLI).

I waited for the denial letter that I knew would be coming and it said that I had too many inquiries, new accounts, and short credit history... yet they increased my Amazon CL by $1,200. the very same day. go figure...