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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.
Started in Feb 2017 @ 503 (not sure which CRA, just my score from a car loan)
(1/03/18) Fico 8 EQ 649, EX 633, TU 702

Heavy Use:
PenFed Auto Loan (Refinancing to ETFCU)
NFCU CLOC $15k - NFCU Flagship Visa $10k
ETFCU Prime Plus MC $5k - DiscoverIT $2.2k

Moderate Use:
JC Penny SC $6k - Wayfair SC $4.5k
Walmart SC $3K - Zales SC $1.75K
Amex Hilton Honors $1k

Seldom Use:
Cap One QS1 $1.55k - Belk SC $1.5k
Merrick Bank $1.4k - Amex Delta Blue $1k
USAA Classic Amex $0.5K - CareCare $0.5K
PayPal MC $0.3K

Business Accounts:
Amazon Corporate $4.5k - Fuelman Fleet $1.2k
BP Business Solutions $1.2k - Staples $1k
Office Depot $1k - Quill $0.1k - Uline $0.1k

On Chopping Block:
Mattress Firm SC $1.5k - Finger Hut 1K - Target $0.3k

Too many R.I.P. cards to list!!! Some from personal closure, some from AA :/
Message 2 of 7
Valued Member

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
Valued Member

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
Valued Member

Re: Business CC with 600's Personal Score

It was the spark cash select

Message 7 of 7