When I started my credit journey, I had a score around 760, but I never had a credit card or loan before, it was all due to AU accounts. I may of had a respectable "score" but it had no backbone to speak of.
Recently, my SO, with a score of 530 and current charge-offs was approved for $3,000 in unsecured CCs (two, back to back). What he had going for him was 99.9% ontime payments for revolving credit, and the COs were from student loans with rediculous limits (170k). A low credit limit from CapitalOne offset the risk you'd assume comes with a 530 score.
So, your score is sometimes the last thing lenders will look at.
AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |
TU: 818 EX: 809 EQ: 801
