FICO deadzone?

[bbb3601]

Just wondering if there is a fico "deadzone" between sub-prime and prime approvals. You know that area where you won't accept sub-prime cards and the good offers seem outta reach...... Sounds like a dumb question but I assume many of you have passed through this purgatory if it exists?  My best guess it lies between 630-670?

[LS2982]

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@bbb3601 wrote:

Just wondering if there is a fico "deadzone" between sub-prime and prime approvals. You know that area where you won't accept sub-prime cards and the good offers seem outta reach...... Sounds like a dumb question but I assume many of you have passed through this purgatory if it exists?  My best guess it lies between 630-670?

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I think that sounds about right.

[bbb3601]

ugh

[john398]

I am in the middle there and I still get Credit One approvals LOL

I mean letters

[LS2982]

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@john398 wrote:

I am in the middle there and I still get Credit One approvals LOL

I mean letters

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[bichonmom]

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@bbb3601 wrote:

Just wondering if there is a fico "deadzone" between sub-prime and prime approvals. You know that area where you won't accept sub-prime cards and the good offers seem outta reach...... Sounds like a dumb question but I assume many of you have passed through this purgatory if it exists?  My best guess it lies between 630-670?

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No, I didn't experience this. But maybe it's the cards I'm going for that make a difference. I started out w/2 Cap Ones and after a few months, added a local CU visa. Then 7-8 mos later, added Barclay's and NFCU. 3 mos later, added 2 Amex.

I'm not even trying for Chase or Citi, because I believe I may be blacklisted with them. So, I can't speak for "offers" from them. Also, I am opted out, so I don't receive ANY CC offers at all. I just app for the CCs I really want.

[webhopper]

For me, I definately felt it....  Seems like it was between 650-690

[LS2982]

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@bichonmom wrote:

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@bbb3601 wrote:

Just wondering if there is a fico "deadzone" between sub-prime and prime approvals. You know that area where you won't accept sub-prime cards and the good offers seem outta reach...... Sounds like a dumb question but I assume many of you have passed through this purgatory if it exists?  My best guess it lies between 630-670?

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No, I didn't experience this. But maybe it's the cards I'm going for that make a difference. I started out w/2 Cap Ones and after a few months, added a local CU visa. Then 7-8 mos later, added Barclay's and NFCU. 3 mos later, added 2 Amex.

I'm not even trying for Chase or Citi, because I believe I may be blacklisted with them. So, I can't speak for "offers" from them. Also, I am opted out, so I don't receive ANY CC offers at all. I just app for the CCs I really want.

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I think that's the best way to be, keeps the unnecessary apps away!

[bichonmom]

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@LS2982 wrote:

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@bichonmom wrote:

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I'm not even trying for Chase or Citi, because I believe I may be blacklisted with them. So, I can't speak for "offers" from them. Also, I am opted out, so I don't receive ANY CC offers at all. I just app for the CCs I really want.

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I think that's the best way to be, keeps the unnecessary apps away!

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Well, sometimes I think it would be nice to get them, but it's not worth the risk that the CRAs will sell my info to JDBs.

[LS2982]

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@bichonmom wrote:

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@LS2982 wrote:

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@bichonmom wrote:

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I'm not even trying for Chase or Citi, because I believe I may be blacklisted with them. So, I can't speak for "offers" from them. Also, I am opted out, so I don't receive ANY CC offers at all. I just app for the CCs I really want.

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I think that's the best way to be, keeps the unnecessary apps away!

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Well, sometimes I think it would be nice to get them, but it's not worth the risk that the CRAs will sell my info to JDBs.

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+1

That's my biggest scare, I don't want that kind of BS to deal with.