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Business CC with 600's Personal Score

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Member

Business CC with 600's Personal Score

Happy belated New Year, I opened up my business in November. Got a business account with Capital One. I deposit about 6k a month. I've opened 3 tradelines so far using Uline, Quill, and Grainger. They haven't reported on my D&B yet. My FICO 8 scores are EQ 653 TU 605 EX 588. I have about 300k in debit including 250k for my mortgage I just got this past June. Just found out today that Cap1 reports on personal credit so wont apply there for that reason. Does anybody have any suggestions of getting a Business CC with my current scores? I will wait until my Paydex score updates but when it does, I would like any some feedback or past experiences.
Target SC $300 CL Walmart SC $300 CL Credit One $550 CL Kay Jewelers SC $1k CL Cap1 QS $500 CL Cap1 QS AU $1.1k Cap1 QS1 AU $950 CL Home Depot SC AU $2500 CL FingerHut SC $800 CL
Rebuilding 12/08/18 624 EQ 591 TU 581 EX
Message 1 of 7
6 REPLIES 6
Regular Contributor

Re: Business CC with 600's Personal Score

Only thing I can think of outside of Cap One Spark, which is the easiest but you are right, reports to personal. Maybe Wells Fargo Secured Business Card. I hear good things about it and since secured the scorr wont weight that heavily. Other options are cobranded cards maybe like Citi "though I hate them" AADvantage cards, or if under 5/24, some Chase cobranded like Marriot Business and etc. Usually its easier to get cobranded cards than in house cards because they have obligations to fill. Someone let me know if I'm wrong but thats how I view it. Hope this helps a little.
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 2 of 7
New Contributor

Re: Business CC with 600's Personal Score

The first business card I applied to was a capital one spark card with scores in the low to mid 600s. In my case it helped me as the credit limit was by far the highest I had and I maintained a low utilization. After a couple of months my scores went up to just under 700. Applied for a chase ink card and was approved and the limit was double that of my spark card. 

Message 3 of 7
Established Member

Re: Business CC with 600's Personal Score

Do you know what bureau they pulled? What was your starting limit?
Target SC $300 CL Walmart SC $300 CL Credit One $550 CL Kay Jewelers SC $1k CL Cap1 QS $500 CL Cap1 QS AU $1.1k Cap1 QS1 AU $950 CL Home Depot SC AU $2500 CL FingerHut SC $800 CL
Rebuilding 12/08/18 624 EQ 591 TU 581 EX
Message 4 of 7
New Contributor

Re: Business CC with 600's Personal Score

Pretty sure that Cap One was a triple pull. 7.5k starting. Chase pulled EX

Message 5 of 7
Established Member

Re: Business CC with 600's Personal Score

I'm thinking you got the Spark Rewards and not the Spark classic I was looking at since it may be easier to qualify. If you got the classic they definitely liked something about your credit.
Target SC $300 CL Walmart SC $300 CL Credit One $550 CL Kay Jewelers SC $1k CL Cap1 QS $500 CL Cap1 QS AU $1.1k Cap1 QS1 AU $950 CL Home Depot SC AU $2500 CL FingerHut SC $800 CL
Rebuilding 12/08/18 624 EQ 591 TU 581 EX
Message 6 of 7
New Contributor

Re: Business CC with 600's Personal Score

It was the spark cash select

Message 7 of 7