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Need New Tires... Low Credit Score Where to go

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MyDataMyChoice
Valued Contributor

Need New Tires... Low Credit Score Where to go

Need New Tires... Low Credit Score Where to go 

 

 

My Friend has a scredit score of 600-630 range

 

she has a few charged off accounts

 

but she has been rebuilding the past year...

 

capital one unsecured card

credit one card

merrick bank card

tons of comenity cards

 

She has tried walmart and macys and got declined over the summer... her scores have not changed much

 

any car tire financing that are easy to get?  She would like 6 months no interest

 


I know car care one   but she canbt seem to get GE/sync  to crack

 





Message 1 of 12
11 REPLIES 11
CH-7-Mission-Accomplished
Valued Contributor

Re: Need New Tires... Low Credit Score Where to go

Firestone is notoriously easy to get approved there.  They usually give s astarting CL of $1200 - $1400.  Let me know if it works for your friend.

Message 2 of 12
App_Addict
Valued Contributor

Re: Need New Tires... Low Credit Score Where to go

I agree with the Firestone way to go.  My score is in the 630 range and I got instantly approved for $1000.  Based on everything I read this is her best bet.  I believe it was a TU pull for me as well if that helps.  Good luck!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

Message 3 of 12
MyDataMyChoice
Valued Contributor

Re: Need New Tires... Low Credit Score Where to go

Did you apply online or in-store

Also, is it just Firestone?

or all the cards CFNA offers?

https://www.cfna.com/web/personalservices/credit-cards-we-offer




Message 4 of 12
App_Addict
Valued Contributor

Re: Need New Tires... Low Credit Score Where to go


@JTC403 wrote:
Did you apply online or in-store

Also, is it just Firestone?

or all the cards CFNA offers?

https://www.cfna.com/web/personalservices/credit-cards-we-offer

Online...Doesn't seem to make a diff with this one.  It is backed by CFNA

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

Message 5 of 12
Anonymous
Not applicable

Re: Need New Tires... Low Credit Score Where to go

Firestone isn't bad but the limit you get is generally what you are stuck with.
Message 6 of 12
pipeguy
Senior Contributor

Re: Need New Tires... Low Credit Score Where to go

Firestone started me at $900 and kicked me up to $2200 after a few months (might have been 3 or 4, don't really remember) and that was a couple of years ago - since then, no increase of CL, even when reqursted.   Since I use this account about once a year for oil changes or tires or brakes, the CL is no big deal - 6 months same as cash is what this card is all about.

Message 7 of 12
Imperfectfuture
Super Contributor

Re: Need New Tires... Low Credit Score Where to go

Les Schwab is also easy to get (see my sig, don't even have car anymore, but they are still open). I only wanted the limit for repairs at the time, and they offered 0% over few months. My scores would have been less than hers.
Signature needs updating
Message 8 of 12
NRB525
Super Contributor

Re: Need New Tires... Low Credit Score Where to go


@Imperfectfuture wrote:
Les Schwab is also easy to get (see my sig, don't even have car anymore, but they are still open). I only wanted the limit for repairs at the time, and they offered 0% over few months. My scores would have been less than hers.

+1

Les Schwab is fantastic for service, so if you live in the West, worth looking into. I don't have their credit products, but just the regular store experience is a positive point.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 12
MyDataMyChoice
Valued Contributor

Re: Need New Tires... Low Credit Score Where to go

Thanks

shes going to go with Firestone credit




Message 10 of 12
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