topic TransUnion score of 676 on 3/2/2011. in Credit Cards

TransUnion score of 676 on 3/2/2011.

michaels88369 — Sat, 05 Mar 2011 23:18:48 GMT

I need a good card that will ONLY run TU(score 676) until i get my other 2 reports cleaned up from this hospital bill of $3505 thats NOT mine. Is there any that should only pull them and approve me? I have no negatives on this one at all. Household income around 60,000 a year. Please respond with suggestions. Thanks Michael

Re: TransUnion score of 676 on 3/2/2011.

Datx — Sat, 05 Mar 2011 23:32:09 GMT

- Barclays

- Hooters

- Nationwide

Seems to be the ones that likes to pull TU.

Here is another thread on it

Re: TransUnion score of 676 on 3/2/2011.

Anonymous — Sat, 05 Mar 2011 23:33:59 GMT

@michaels88369 wrote:
I need a good card that will ONLY run TU(score 676) until i get my other 2 reports cleaned up from this hospital bill of $3505 thats NOT mine. Is there any that should only pull them and approve me? I have no negatives on this one at all. Household income around 60,000 a year. Please respond with suggestions. Thanks Michael

While suggestions could be made on who has pulled TU for others, keep in mind that there is never a guaranty they will pull TU for you. Sometimes knowing your region (State) helps for others in that region to reply with their experiences on TU pullers.

Re: TransUnion score of 676 on 3/2/2011.

michaels88369 — Sat, 05 Mar 2011 23:36:58 GMT

Im in the good old sunshine state! (florida) lol... Directly in between Tampa and Orlando! thanks for everones help already! I love this site more and more everyday. Everyone is so eager to lend a helping hand.

Re: TransUnion score of 676 on 3/2/2011.

michaels88369 — Sun, 06 Mar 2011 02:17:26 GMT

I bit the bullet and apped for the Barclays Us airways visa and was told they would send me infor in mail. Checked status online just now and denied due to:

Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below:

Low available credit on existing credit card(s)
Insufficient credit history
High debt obligation

Does anyone have a backdoor number I can try? Is it worth trying?

Any other cards i should try with score arould 676 now +one app today?

Re: TransUnion score of 676 on 3/2/2011.

Anonymous — Sun, 06 Mar 2011 02:20:16 GMT

What other cards do you have and AAoA

Re: TransUnion score of 676 on 3/2/2011.

michaels88369 — Sun, 06 Mar 2011 02:25:48 GMT

Lets see.... I have:

Crap 1. limit of $1000

Crap 1 AU limit of $300

Care Credit limit $1000

First Premier limit of $450 this and crap 1 $1000 is the one I want to get rid of.

kays limit $4500

closed Amex Zync

Oldest account 3 years 6 months, AAoA is 1 year 6 months.

I have mortgage account only reporting to TU. but I do have 2 car loans. one 3 year old and 1 a year old. I want a prime to sub-prime card so I can get rid of the crappy ones ive got already.

Re: TransUnion score of 676 on 3/2/2011.

Anonymous — Sun, 06 Mar 2011 11:37:11 GMT

Try researching on "whogavemecredit". You can sort by State, Card, Score, etc. It's really handy because users go on there and post what their scores are, who they apped, what their CL was (if approved), what interest rate they got, and many of them say what CRA was pulled.

Note that Hooters made the list of top 10 worst cards recently. Also note that Barclay's is most inquiry sensitive.

Florida Who gave me credit

Scroll down for most current app info.

Good luck.

Re: TransUnion score of 676 on 3/2/2011.

Anonymous — Sun, 06 Mar 2011 12:59:07 GMT

@michaels88369 wrote:
I bit the bullet and apped for the Barclays Us airways visa and was told they would send me infor in mail. Checked status online just now and denied due to:
Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below:
Low available credit on existing credit card(s)
Insufficient credit history
High debt obligation
Does anyone have a backdoor number I can try? Is it worth trying?

Any other cards i should try with score arould 676 now +one app today?

Is there a reason why you're in a hurry to apply-- why can't you wait until you clean up the collection? And, what do you consider to be a "good card"? Are you looking for a certain type of reward? Are you looking at both annual fee & non-annual fee cards? Are you looking for a particular minimum credit line? How are you going to use the card: a) always PIF, b) always carry a balance, c) balance transfer, d) mostly PIF, sometimes carry a balance, etc...?

These are just some of the questions that you need to consider before applying for a credit product. It also appears that you may have a lot of newish credit. That's an important detail for some lenders. Are you carrying balances? What is your current utilization? That's a biggie for most lenders. The other thing you mentioned was "household income"-- is that the combined income of you, and your spouse? If you were asked to provide proof of income, would you have a problem with verification?

It's important to not just app indiscriminately. You have to understand the requirements of the lender that you're going after (as much as we can, at any given time), and make sure that you're on solid footing with their usual approval requirements. You can't just rely solely on, "who pulls TU", because a) it's not always guaranteed that they're going to pull TU, b) it's not always guaranteed that they're *only* going to pull TU, and c) The score isn't usually what matters most. It's the content of your reports.

I can understand why you'd be in a hurry to get rid of high-fee cards, such a FP. If you're not carrying balances on this one and other cards, you don't actually have a replacement lined up before closing it. You can just close it. I think that you're better off, and you'll have better choices if you hold off for a bit, and work on that collection. You don't want to miss out on a card that might be perfect for you, and your needs, because you've temporarily excluded the possibility because of which CRA they pull. You also don't want to end up getting "any" card, just because they do pull TU. And, you also risk closure if they open an account for you, and then soft your other reports.

My opinion, just wait for a bit. Work on getting the collection off, make sure that your utilization is below 9%, and that your youngest card is at least 1 year old, and then start looking around for a card that will work exactly the way you want it to. I think that you'd find many more available options, and a higher chance of approval.

Good luck!

Re: TransUnion score of 676 on 3/2/2011.

michaels88369 — Mon, 07 Mar 2011 02:49:07 GMT

You seem very smart at what you are saying. I do seem to be rushing a little bit and i dont know why. lol.. But one reason is that my first premier (AF of $50 due 4/10/2011) and capital one AF $49 due 04/25/2011. Dont want to pay these again. I am carrying balances on both of these cards. FP is at 100.00 and cap 1 is at 500.00. Wanna do balance transfer and cancel these 2 evil cards. Credit limit isnt too important to me just want a card that has no AF and can GROW over time with me. I already apped with barclays is there any backdoor number i can atleast give the recon a shot tomorrow? Thanks for anyones insight to my dilema. This is what credit Karma says:

Report Card details

Open Credit Card Utilization22%

Credit card utilization is defined as the total credit card debt you have divided by the total available credit on your credit cards. High credit card utilization can be a warning sign of credit risk.

Percent of On-Time Payments100.00%

On-time payments are an important component of your credit score. Using your credit responsibly and paying bills on time are great ways to maintain a good credit score.

Average Age of Open Credit Lines1 Yr 9 Mos

Credit history is a significant component of your credit score. As such, the average age of your credit lines can be a strong indication of your credit history. Care should be used in keeping old accounts open, active, and in good standing.

Total Accounts17

Both the total number of credit accounts you have and the mix of credit you have will affect your credit score. A healthy mix of revolving credit cards, charge cards, installment loans and mortgages will also impact your credit score.

Hard Credit Inquiries7

Inquiries for credit, also known as hard inquiries, are placed on your credit report whenever you apply for credit. These results are the inquiries for credit over the last 2 years. It is important to note that soft inquiries, like the type used by Credit Karma, do not impact your credit score and are not counted in this metric.

Derogatory Marks 0

Accounts in collections, bankruptcies, civil judgments, and liens are items on your credit report called derogatory marks. To maintain a good credit score you should avoid any derogatory marks on your credit report. It can take from 7-15 years for a derogatory mark to be cleared from your credit history.

N/A

Total Debt $169,069

Tracking your total debt is a good way to gauge your financial health. When lenders evaluate your credit, this is often a key metric they review.

Re: TransUnion score of 676 on 3/2/2011.

Anonymous — Mon, 07 Mar 2011 13:36:26 GMT

@michaels88369 wrote:
Credit limit isnt too important to me just want a card that has no AF and can GROW over time with me.

Well, I might recommend Discover. I think they commonly pull TU, and if you use the card a lot, they will give you an auto CLI every 6 months almost guaranteed, at least in my experience.

And if they decide to pull something besides TU, oh well, you have an extra inquiry on a report that wasn't going to get you any credit any time soon to begin with.

Like mentioned, check whogavemecredit, as I don't think Discover pulls TU exclusively, but they have always pulled TU on me.

Re: TransUnion score of 676 on 3/2/2011.

cdtotten — Mon, 07 Mar 2011 14:43:45 GMT

7 inquiries on TU is not helping your cause at all, and your score isn't high enough for discover with your history (short, small credit lines from sub-prime lenders).

OOC, how do you have $170k in debt... mortgage?

Anyways, you need to get your reports cleaned up, wait for these hard pulls to fall off, get your util under 10%, and then apply with a credit union.

Re: TransUnion score of 676 on 3/2/2011.

michaels88369 — Mon, 07 Mar 2011 14:57:35 GMT

I dis recon this morning and answered a few income questions and was approved for Barclays Air Tran Visa platinum. Credit line of $2500. highest yet besides kays. Finally in the door with a card worth while. I'm saying goodbye to capital one and first premier Wednesday when batclays calls to do balance transfer. Done applying for anything. And the 7 inqs are for 2 years. 1 in the past year.

Re: TransUnion score of 676 on 3/2/2011.

tray — Mon, 07 Mar 2011 16:50:55 GMT

I would attempt one of the Barclay's card that would suit you, this bank does seem good on reconsiderations too if you are diened. I would not attempt Discover right now, as this bank can pull any report, and Discover is very conservative, Good Luck

Re: TransUnion score of 676 on 3/2/2011.

michaels88369 — Mon, 07 Mar 2011 16:53:27 GMT

I got the card with $2500 limit from Barclays Air Tran Visa Platinum after calling for recon.