topic Re: What have you been approved for with a 670 Fico? in Credit Cards

What have you been approved for with a 670 Fico?

House2021 — Sat, 17 Jul 2021 16:24:08 GMT

I have over 20k between 4 student loans excellent payment history, 5 or 6 charge offs paid this year from 5 years ago, one car repo from 5 years ago (unpaid), 4 credit cards in great standing with low limits, no Bk or foreclosure what card should I apply for? I want no annual fee, looking forward recommendations from someone approved with a similar profile.

Re: What have you been approved for with a 670 Fico?

coldfusion — Sat, 17 Jul 2021 16:37:37 GMT

It might help if you list the 4 cards you have now in order to avoid getting recommendations for cards you already hold.

Re: What have you been approved for with a 670 Fico?

House2021 — Sat, 17 Jul 2021 16:39:34 GMT

Capital one Walmart ($400 CL)

capital One Quicksilver ($3000 limit)

Ollo ($2600 CL)

Discover ($3000 CL)

Re: What have you been approved for with a 670 Fico?

KJinNC — Sat, 17 Jul 2021 17:47:20 GMT

Check Amex and FNBO prequalification. You might possibly slip in with either of those. JMO, good luck!

Re: What have you been approved for with a 670 Fico?

Anonymous — Sat, 17 Jul 2021 19:18:18 GMT

Of the cards in my sig, the following were approved at or below that score:

All Amex cards except Platinum

Target

Lowe's

Home Depot

Overstock

Both Discos

CapOne

Firestone

Kohls

Re: What have you been approved for with a 670 Fico?

CreditCrusader — Sat, 17 Jul 2021 20:07:13 GMT

@House2021 wrote:
I have over 20k between 4 student loans excellent payment history, 5 or 6 charge offs paid this year from 5 years ago, one car repo from 5 years ago (unpaid), 4 credit cards in great standing with low limits, no Bk or foreclosure what card should I apply for? I want no annual fee, looking forward recommendations from someone approved with a similar profile.

IMO, you're right on the borderline for Apple card approval. If you have an iPhone, you can check from the app with no hard pull to your credit.

Re: What have you been approved for with a 670 Fico?

padme — Sat, 17 Jul 2021 20:56:45 GMT

its been 8 years post BK7 still 650s have 2 car loans and 24 cards at 258k , alot of offers arent available to most anymore, but comenity closed 3 cards not long ago for like 47k overstock and wayfair, even IKEA.

Re: What have you been approved for with a 670 Fico?

House2021 — Sat, 17 Jul 2021 22:17:11 GMT

Creditcrusader is the apple card a good card to have?

Re: What have you been approved for with a 670 Fico?

Anonymous — Sat, 17 Jul 2021 23:39:21 GMT

@House2021 wrote:
Creditcrusader is the apple card a good card to have?

For my own experience, I like the card but my family is very heavy in the Apple ecosystem, so it made sense. Without being in Apple, it wouldn't make a lot of sense. I bought my daughter a MacBook Air and accessories as a grad gift on 0% financing with 3% cash back, so that was a good use for it. If you use Apple products, and can use the financing and 3% on them, it's a worthwhile card to have.

Re: What have you been approved for with a 670 Fico?

Anonymous — Sun, 18 Jul 2021 03:01:24 GMT

@House2021 wrote:
I have over 20k between 4 student loans excellent payment history, 5 or 6 charge offs paid this year from 5 years ago, one car repo from 5 years ago (unpaid), 4 credit cards in great standing with low limits, no Bk or foreclosure what card should I apply for? I want no annual fee, looking forward recommendations from someone approved with a similar profile.

I had a 5 year old BK13 with my scores around the 670ish mark all 3 of them when I got approved for my Amex, Navy Fed, Cap 1 and Rooms to Go cards. But everyone is different please keep that in mind. I did have a mortgage and car loan on my credit report that Im paying for

Re: What have you been approved for with a 670 Fico?

ChargedUp — Sun, 18 Jul 2021 18:04:16 GMT

Keep in mind that there's a difference between a 670 Fico 8 on a thin, clean file with new accounts and a 670 Fico 8 on an aged file with negative datapoints. Fico scores are simply a barometer number of presumed credit worthiness. Internally, lenders see the aggregate data and are all over the map on how this affects their approval factors, even being 5 years ago.

Re: What have you been approved for with a 670 Fico?

DebtJoe — Mon, 19 Jul 2021 00:47:36 GMT

I was in your boat not too long ago. Reach out to Capital One and Discover for secured card options and build from there. You might have a chance at getting approved for a Cap One Platinum or Quick Silver One also at your current score.

Re: What have you been approved for with a 670 Fico?

Anonymous — Mon, 19 Jul 2021 00:59:55 GMT

@DebtJoe wrote:
I was in your boat not too long ago. Reach out to Capital One and Discover for secured card options and build from there. You might have a chance at getting approved for a Cap One Platinum or Quick Silver One also at your current score.

See: Post 3

OP, credit unions would be a good way to go. I got in Navy 3 years ago with some old credit problems and a similar score to yours. Now have 80k in CL across 3 cards plus a 15k CLOC.

Re: What have you been approved for with a 670 Fico?

yzerman — Mon, 19 Jul 2021 01:51:23 GMT

AMEX Gold and Green NPSL, BCE $2200, Schwab Investor Card sl $10800. The Amex cards cost one hard pull for all of them.I also have the Verizon Sinature visa 6k, Commenity Rewards 7.6k and the Navy Flagship 20K sl. I have several others in that 2-4K range. My exp fico

8 was in the 669-671 range with Equ an Trans minor variations

Re: What have you been approved for with a 670 Fico?

House2021 — Mon, 19 Jul 2021 01:56:26 GMT

My newest derogatory is 5 years old, not so much as one late payment since.
where do I go to apply for all Amex cards in one place with only one inquiry? Sounds really good to me to open multiple credit cards with only one credit pull.

Re: What have you been approved for with a 670 Fico?

CreditCuriosity — Mon, 19 Jul 2021 02:08:56 GMT

Weren't you about to go through a mortgage if I recall your user name correctly?

Re: What have you been approved for with a 670 Fico?

yzerman — Mon, 19 Jul 2021 02:13:01 GMT

@House2021 wrote:
My newest derogatory is 5 years old, not so much as one late payment since.
where do I go to apply for all Amex cards in one place with only one inquiry? Sounds really good to me to open multiple credit cards with only one credit pull.

You have to cold app one of the easier to get cobranded cards liKE the Delta gold. If you get that then put some spend on it for a few weeks and then go to your home internet page and click on cards. Pick the card you want and click apply. If it says "your name " has been pre approvd get a decision in 30s you have a great chance just follow through with the app. If the verbiage is something like it's easy to expand your membership it's probably a denial. Either way there is USUALLY not a hard pull but YMMV

Re: What have you been approved for with a 670 Fico?

House2021 — Mon, 19 Jul 2021 03:02:46 GMT

Credit Curiosity yes I'm making my plan on what card to get for when escrow closes so that way I can finance some home improvements for 3-6 months since all my savings is going towards a hefty down payment, that way charging things won't cause a high utilization tanking my scores and I want cards long term to build upon what I have. I regret getting the Ollo card, the Capital One Quicksilver card does not have the best customer service I had a terrible experience with them regarding an internet scam purchase, I love my Discover card but I read on one of these forums that Discover is going to all accounts and freezing them until you sign a tax release form for them to verify your income - my income is actually higher than what I put on my Discover application but the problem is I included all my household income that's fully documented like child support but if your taxable income does not match then they will close your account regardless of your proof of income from non taxable sources. So, ideally I want to get some cards but my credit still isn't great (670s)

Re: What have you been approved for with a 670 Fico?

Brian_Earl_Spilner — Mon, 19 Jul 2021 03:26:23 GMT

Behold my signature, everything except the car was gotten with scores below 670.