topic Re: Credit Cards for 647 Fico that pulls only Experien in Credit Cards

Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sat, 16 Jan 2010 23:24:53 GMT

Hey!

My credit jumped from 567 to 647 in one month by just getting old negatives removed! I'm totally thrilled! (as you can imagine!) Anyways, I now need a better credit card that I wont be paying tons in fees for. They can only pull Experien b/c Im still working on my other reports.

THANKS!

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sat, 16 Jan 2010 23:28:26 GMT

how do u know ur experian score

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 03:15:17 GMT

im sorry, I meant Equifax.

Re: Credit Cards for 647 Fico that pulls only Experien

Creditaddict — Sun, 17 Jan 2010 03:17:37 GMT

GE use to, but now I think they bounce around a little bit.

BBT

Alliant

there is another post just down the list right now about this.

Re: Credit Cards for 647 Fico that pulls only Experien

LIGHTNIN — Sun, 17 Jan 2010 03:29:43 GMT

Sometimes it depends on where you live, on which CRA that the CCC pulls from.

You can always ask before applying on which CRA that they use.That will save you on a inq ding.

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 03:39:08 GMT

Congrats on the big score increase! That was a major jump. If I were you, since you have no more negatives reporting, I would wait a couple of months to apply for new credit. Give your FICO scores a chance to get even higher to qualify for the best rates and offers. By that time, without a doubt, you can qualify for some decent cards.

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 18:06:24 GMT

Addison Avenue is EX (open to anyone who joins Financial Fitness Association)

PSECU is EX (but limited FOM)

BoA likes EX

AMEX usually pulls EX

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 19:53:00 GMT

@Anonymous wrote:
Addison Avenue is EX (open to anyone who joins Financial Fitness Association)
PSECU is EX (but limited FOM)
BoA likes EX
AMEX usually pulls EX

Unfortunately OP really wants EQ pullers.

OP - Frankly were I you I would continue cleaning up and wait until that score reaches 690 to 700 before app'ing new credit. You'll get better results. Either that or get yourself a high quality secured card now that will convert to something good later on.

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 22:02:58 GMT

@Anonymous wrote:
@Anonymous wrote:
Addison Avenue is EX (open to anyone who joins Financial Fitness Association)
PSECU is EX (but limited FOM)
BoA likes EX
AMEX usually pulls EX
Unfortunately OP really wants EQ pullers.

OP - Frankly were I you I would continue cleaning up and wait until that score reaches 690 to 700 before app'ing new credit. You'll get better results. Either that or get yourself a high quality secured card now that will convert to something good later on.

For EQ:

Alliant

PenFed

USAA

NFCU

Discover sometimes EQ / TU others

CareCredit

.......to name a few

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 22:04:44 GMT

And which of those are you recommending he app for with a 647 EQ FICO score?

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 22:15:43 GMT

@Anonymous wrote:
And which of those are you recommending he app for with a 647 EQ FICO score?

I hope it's not PenFed or Discover. That would wasted inquiries.

Re: Credit Cards for 647 Fico that pulls only Experien

Anonymous — Sun, 17 Jan 2010 22:15:59 GMT

@Anonymous wrote:
And which of those are you recommending he app for with a 647 EQ FICO score?

That would be dependant not just on score, but also on what derogs, age of derogs, status (paid or not) and other TL's, CL's, current debt and income.

NFCU is by far the most lenient/generous, but also is not an open FOM.

CareCredit can be easy and generous.

Re: Credit Cards for 647 Fico that pulls only Experien

nothingman02 — Mon, 18 Jan 2010 04:46:40 GMT

OP, Id also recommend that you wait a little while longer if you could. You could get the right cards which you could keep.

If you have to, NFCU seems like a good possibility. Atleast the LOC. The CC could be possible if you have no unpaid baddie(s).

Likewise with Carecredit.

A very remote chance with Alliant and USAA. Is UTL holding your score down or baddie(s)?

Penfed is a straight denial.

Maybe your local Banks or CUs.

Message Edited by nothingman02 on 01-17-2010 08:46 PM