https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447928#M399030 <P>Whats a mid score? &nbsp;Is that something people use when applying for a mortgage?</P> Fri, 15 Jun 2012 03:01:26 GMT DaveSignal 2012-06-15T03:01:26Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447922#M399028 Trying to help my girlfriend get approved for her first card. She has a 610 mid score. She just got a pre-approval in the mail for Citi-Simplicity but I'm almost positive that she would get denied. Any suggestions would be helpful. Fri, 15 Jun 2012 02:57:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447922#M399028 cracksmeup 2012-06-15T02:57:55Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447928#M399030 <P>Whats a mid score? &nbsp;Is that something people use when applying for a mortgage?</P> Fri, 15 Jun 2012 03:01:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447928#M399030 DaveSignal 2012-06-15T03:01:26Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447936#M399031 Yes, exactly. The middle of her 3 scores Fri, 15 Jun 2012 03:07:15 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447936#M399031 cracksmeup 2012-06-15T03:07:15Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447940#M399032 <P>Ah ok. &nbsp;Well most credit card applications will result in one pull from one CRA. &nbsp;So you need to know what the individual scores are. &nbsp;If one is decently higher than the others, then look for creditors that pull the report with the higher score. &nbsp;If all of your reports are approximately 610, then you probably will need to start out with a secured card.</P> Fri, 15 Jun 2012 03:10:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447940#M399032 DaveSignal 2012-06-15T03:10:20Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447950#M399034 I believe her highest is 618, from TU Fri, 15 Jun 2012 03:14:00 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447950#M399034 cracksmeup 2012-06-15T03:14:00Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447956#M399036 <P>I bet, since she has no credit cards currently (or ever), that if you got a secured card you would see some kind of score increase instantly. &nbsp;And then more after about 6 months. &nbsp;And then it would be much easier to get approved for a good unsecured rewards card.</P><P>&nbsp;</P><P>EDIT: &nbsp;but I would try for that pre-approval first.</P> Fri, 15 Jun 2012 03:22:18 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1447956#M399036 DaveSignal 2012-06-15T03:22:18Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1448006#M399047 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/537747">@cracksmeup</a> wrote:<BR />Trying to help my girlfriend get approved for her first card. She has a 610 mid score. She just got a pre-approval in the mail for Citi-Simplicity but I'm almost positive that she would get denied. Any suggestions would be helpful.<HR /></BLOCKQUOTE><P>i wouldnt even bother with the simplicity. its the hardest card from citi to get. with a 610 she would need to start the secured route</P> Fri, 15 Jun 2012 03:44:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1448006#M399047 Anonymous 2012-06-15T03:44:20Z https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1448118#M399091 <P>Can you tell us a little about what your her credit report looks like.&nbsp; What accounts on it.&nbsp; Any negative info?</P> Fri, 15 Jun 2012 07:01:27 GMT https://ficoforums.myfico.com/t5/Credit-Cards/610-mid-score/m-p/1448118#M399091 Anonymous 2012-06-15T07:01:27Z