709 score gets me what

Anonymous · ‎12-23-2017

With no baddies and basically just a brand new credit profile, a secure credit card 4 months of age. What will a 709 credit score get me as far as approval for a unsecure card?

RicHowe · ‎12-23-2017

Have you tried the pre-qualify sites for AMEX or Cap1?

Anonymous · ‎12-23-2017

With 4 months of age that isn't a true score. I'm guessing that is a Vantage Score which is something that no credit card lenders use. You need to wait 6 months until a FICO score is generated. That is what counts.

Gmood1 · ‎12-23-2017

Do you have an installment loan reporting? That will strengthen your credit profile. Along with 3 revolving lines.
With such a young history. I'd give it 8 more months before seriously apping. Discover and Capital One like thin files.

CreditCuriosity · ‎12-24-2017

@Gmood1 wrote:
Do you have an installment loan reporting? That will strengthen your credit profile. Along with 3 revolving lines.
With such a young history. I'd give it 8 more months before seriously apping. Discover and Capital One like thin files.

Also might want to consider an Amex as they like thin files as well.. Pick one of the three then garden for awhile and use it responsibly