topic Re: Need recommendations where to apply with a 802 Equifax score but lack of history in Credit Cards

Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Mon, 11 Nov 2024 20:23:36 GMT

Equifax score is 741 and FICO 8 is 803
I'm wondering where should I start with my lack of credit history but a very good score of 802 FICO 9

i cleaned up my equifax but now the only history I have on there is just a year or so of my debt card credit builder reports to Equifax from Chime and Varo.

Im looking to building up my credit history. I don't care about approval amounts I would like to get approved somewhere that's fairly easy and quick

Thanks!

Equifax score is 741 and FICO 8 is 803

This is what's on my Equifax

EXTO INC

xxxxxxxxxxxxxxxx

Reported Balance
$20
Credit Utilization
2%
Late Payments
0
Age of Account
9mos

View details

CHIMEFIN/STRIDE BANK

xxxxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
3yrs 5mos

View details

VARO BANK, N.A.

xxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
2yrs 2mos

View details

Closed:

FIRST PREMIER

xxxxxxxxxxxx

Account Status
CLOSED Charge Off
Balance $532
Credit Utilization
N/A
Late Payments
0
Age of Account
6yrs 8mos

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

Saleen099 — Sun, 10 Nov 2024 23:34:22 GMT

Need more information on what the rest of your credit report looks like?

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

unsungivy — Mon, 11 Nov 2024 01:21:21 GMT

@SuperbCredit wrote:
I'm wondering where should I start with my lack of credit history but a very good score of 802 FICO 9

i cleaned up my equifax but now the only history I have on there is just a year or so of my debt card credit builder reports to Equifax from Chime and Varo.

Im looking to building up my credit history. I don't care about approval amounts I would like to get approved somewhere that's fairly easy and quick

Thanks!

Discover.

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Mon, 11 Nov 2024 15:13:44 GMT

Really there is no history . There is a first premier charger off for $500 that says in dispute status but they haven't responded or reported in a year. Then I have 3 accounts reporting but those are self credit builder cards like varo chime and atlas that's been reporting for a year

That is it

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Mon, 11 Nov 2024 17:01:31 GMT

I got denied

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

Saleen099 — Mon, 11 Nov 2024 17:10:46 GMT

@SuperbCredit wrote:
I got denied

What card did you apply for?

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

Patient957 — Mon, 11 Nov 2024 18:35:51 GMT

@SuperbCredit wrote:
Really there is no history . There is a first premier charger off for $500 that says in dispute status but they haven't responded or reported in a year. Then I have 3 accounts reporting but those are self credit builder cards like varo chime and atlas that's been reporting for a year

That is it

So you're saying that you have an 802 credit score with a $500 charge off on your reports? That sounds fishy to me.

For starters, post your EQ and EX FICO 8 scores, both of which are available free. You'll get better advive here once we have that nailed down.

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Mon, 11 Nov 2024 19:39:22 GMT

Discover denied. I used the pre qualify

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Mon, 11 Nov 2024 19:55:42 GMT

I have it but I do t see a option to upload a screenshot here

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Mon, 11 Nov 2024 20:22:04 GMT

Equifax score is 741 and FICO 8 is 803

This is what's on my Equifax

EXTO INC

xxxxxxxxxxxxxxxx

Reported Balance
$20
Credit Utilization
2%
Late Payments
0
Age of Account
9mos

View details

CHIMEFIN/STRIDE BANK

xxxxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
3yrs 5mos

View details

VARO BANK, N.A.

xxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
2yrs 2mos

View details

Closed:

FIRST PREMIER

xxxxxxxxxxxx

Account Status
CLOSED Charge Off
Balance $532
Credit Utilization
N/A
Late Payments
0
Age of Account
6yrs 8mos

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

KatzNDawgs — Tue, 12 Nov 2024 02:40:12 GMT

@SuperbCredit wrote:
Equifax score is 741 and FICO 8 is 803

Please clarify. Equifax is one credit bureau - what model is the 741 score with? Is it a FICO 9, VantageScore, etc? And what bureau is your "FICO 8" with? Where did you get these scores from? I agree with the previous poster that with your limited credit history plus a charge off, that it seems doubtful your scores would actually be at 800+. Your DTI and other factors do play a role in how lenders would feel comfortable with you, so score itself doesn't guarantee you will be approved.

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

CreditPoor — Tue, 12 Nov 2024 17:05:31 GMT

IMHO none of your accounts are actually helping you and toss in that charge off and you're in no position to get an approval. I'd try and get a secured card with at least $1k limit and pay in that for 12 months. In the mean time do what you can to get that charge off removed and work on improving your other burreaus as most will pull more than one

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Tue, 12 Nov 2024 21:25:03 GMT

I got my scores directly through Myfico and directly through equifax both for free

Equifax is about 743 vantage score and myfico equifax shows 803 as of today

Re: Need recommendations where to apply with a 802 Equifax score but lack of history

SuperbCredit — Tue, 12 Nov 2024 21:26:39 GMT

That charge off should be dropping off in a few months so I might leave it as is