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I am interested in possibly applying for credit through Paypal and Dell. What is the minimum credit score and FICO score REQUIRED AND EXPECTED for approval? Do they turn you down if you have anything negative showing, even if it has been paid off and I am showing NO debt owed to anyone? I literally havea 628 score right now on all three credit reports with two credit cards, one that has 300 dollars credit, and one that has 500 dollars, all showing at least 75 percent available credit. I do not own a home or a vehicle, and never have. I just pay rent monthly to my landlord. What say you?
Paypal credit maybe, dell not so.
I was asking what is the MINIMUM SCORE, both credit and FICO to get approved for DELL and Paypal. You did not really answer my question. I need qualified people please. Thank you for understanding.
@Anonymouswrote:I was asking what is the MINIMUM SCORE, both credit and FICO to get approved for DELL and Paypal. You did not really answer my question. I need qualified people please. Thank you for understanding.
Previous poster DID answer your question - your scores are on the low side for Dell, PayPal credit is a possibility.
Look at the credit pulls database for data points for both lenders
It did not answer my question. Read my question. he did NOT list ANY scores or numbers, so my question did not get answered. I also do not want to be talked down to. I asked a simple question and i DID NOT get the EXACT answer.
Mod note: Post has been edited to meet myFICO "FSR" criteria. --UB
No one here is able to give an exact number as we are not credit underwriters. We also don't know if lenders look at specific items on credit reports in addition to a score.
It is done electronically in seconds, so "they" are NOT people looking at it. My mother was approved for Dell in 6 seconds after she submitted her application, so it has NOTHING to with with a bank loan or a credit underwriter. She was applying for a COMPUTER, NOT a bank loan, which in that case, yes it is going to be different. So that is why I asked what is the MINIMUM score Dell's data pulling system needs in order to approve. I HAD a collection or two, but they are paid off, so that has turned to showing NO debt owed. I was just doing research and asking questions. Thank you to the most recent person in at least being less aggressive. If anyone KNOWLEDGEABLE and QUALIFIED from FICo themselves, or contributors has the answers, then answer, but do not waste my time responding if you are not going to answer my questions properly, respectfully and correctly. If you cannot do that, THEN PLEASE DO NOT MESSAGE AT ALL. It is rude otherwise. Thank you.
@Anonymouswrote:It is done electronically in seconds, so "they" are NOT people looking at it. My mother was approved for Dell in 6 seconds after she submitted her application, so it has NOTHING to with with a bank loan or a credit underwriter. She was applying for a COMPUTER, NOT a bank loan, which in that case, yes it is going to be different. So that is why I asked what is the MINIMUM score Dell's data pulling system needs in order to approve. I HAD a collection or two, but they are paid off, so that has turned to showing NO debt owed. I was just doing research and asking questions. Thank you to the most recent person in at least being less aggressive. If anyone KNOWLEDGEABLE and QUALIFIED from FICo themselves, or contributors has the answers, then answer, but do not waste my time responding if you are not going to answer my questions properly, respectfully and correctly. If you cannot do that, THEN PLEASE DO NOT MESSAGE AT ALL. It is rude otherwise. Thank you.
Hi @Anonymous and welcome to myFICO!
The exact information you're requesting isn't available here, or on any other website. All we can do is provide an 'educated guess' as to if someone will be approved for a particular product. There's a database that does provide scores based on your state and the issuer (you can google for it...we're not permitted to link to it here) but even it is limited since issuers can change their requirements at any time.
Further, we have a policy here we refer to as "FSR"... that's Friendly, Supportive, and Respectful, and posting in a "FSR" manner is required to retain posting privileges. If someone provides feedback that you feel isn't helpful, simply overlook it and wait for the next response; there's no need to reply in a negative manner. More details can be found here: http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2797115
Finally, if you'll provide as much detail as possible about your specific situation you'll get the best feedback on your chances for the products you're inquiring about.
--UncleB
myFICO Moderator