760 score what score/cra
no cards in 2 years okay and what else is on the report
100k in limits okay so the top single digit percentages of credit profiles
Your score isn't terrible, it is pretty good in fact, but it is also low for the profile you describe. What is your uti, how many loans for how much, and how much have you paid them.
Credit score is not how you get approvals, it might not even be factor above a certain number for many lenders, you have something wrong in your profile you should be able to get any card you want with the stats provided
@Kforce wrote:
@Shan888 wrote:
@JoeRockhead wrote:What score is that you're quoting... Fico, Vantage? One thing you didn't provide is what your reported usage is currently on all the accounts you have now?
Fico Scores. I put some usage every month but I pay off all my balance as soon as possible. So I have 0 balance each month. I had car loan thats already paid off. No Mortgage or anyother loan ATM.
As @JoeRockhead posted, make sure your reports arn't frozen/locked.
Let a couple of cards report a small balance .
It might look like you arn't using cards to other issuers outside current who see
your spend even if you pay to zero.
You said you don't have any inquiries Since April_24 (Just a few months ago),
how many in last year, and total?
Beat me to it!
@Shan888, let one or two cards report a small balance every month and watch your scores pop 15-20 points; possibly more.
With the above said, I put very little stock in preapprovals; virtually all of my cards were obtained when the various lending institution's preapproval sites said I wasn't approved for anything.
