Have 3 CC's & need help in applying

Anonymous · ‎03-12-2008

Hi frnds

I have 3 CC's on my name(excluding my 2 ad on CCs).I got my first CC in the End of NOV'07(BOA, 7K CL) &th en Chase Visa Platinum with 3.6K CL in Jan08
& Finally in Feb'08 got DCU with 3K CL.

My Question is can I get my FICO score now?I tried to pull my FICO score in the begining of JAN'08 from MYFICO.But they told me that I don't have any FICO score yet.

Am I eligible for any CCs like AMEX,DISCOVER.
I don't have any baddies,late payments even in my Ad on CCs to.My utl is always below 10% only.not even close to 10%,its around 3,4%.

Thanks

Message Edited by HI-ALL on 03-12-2008 11:17 AM

Anonymous · ‎03-12-2008

You need six months of history in order to have a FICO score. If you got your first CC in late November, you won't have a FICO score until late May.

I would wait until late June to pull them, just to give the CRAs plenty of time to update the sixth month of history.

Anonymous · ‎03-12-2008

BTW, how did you get $13K in CLs from prime lenders with no FICO score?

Anonymous · ‎03-12-2008

@Anonymous wrote:
BTW, how did you get $13K in CLs from prime lenders with no FICO score?

What cheddar said?

Anonymous · ‎03-12-2008

Hi Cheddar

I have couple of ad on CCs since Aprl'07(BOA n WAMU).
Bcoz of these I got 3 CCs with 13k cl.

BTW I am eligible to apply Discover or Amex CCs?? If not now
when can I apply for those?

Thanks

Message Edited by HI-ALL on 03-12-2008 05:45 PM