I was denied for a Discover It card with a 687 eq score Apparently, a few medical collections was on my report. My Experian score is 658. Any cc companies I should apply for that uses Experian only? I have absolutely nothing reporting on my Experian report. My tu is low at 582. I have a CapOne Plat that hasn't reported yet. Should I wait an garden this card for a few months before apping for another card?
|Total CL: $314.7k||UTL: 2%||AAoA: 6.8yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|
Yeah, that's what I was thinking. I have medical collections on both TU and EQ. Experian verified that they were paid by the insurance co and deleted them. My EQ is higher bc I have a car loan & cc ($1000) no lates ever but they only report to EQ only. Bummer! I will garden my Cap One $300 sl but I just pc'd to QS rewards with no annual fee. I plan to try for cli later this month after heavy use and pif 2-3 times a month. I will garden until I can get a walmart card. I appreciate you taking the time to respond!
Discover pulls TU in my area (FL). That could be why. Sorry to hear.
You could have a 750 FICO and discover could deny you.. They are a weird card company so move on for now.. Might be able to get an Amex or Chase with those scores.. Have you tried the prequal tool for either of those two card companies? Borderline with Amex, but possible and Chase lets 640 and up in if pre-qualified