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Well like I said her scores are low because two cc are close to limit current scores for all three are maybe in the 620-630 I messed with the score stimulator and it saiad that once her debt reduces to 1% her scores would raise to 690-700. SOO maybe that can allow her to get a PRIME card. The only thing that she doesnt have is a mortgage or installment loan only revolving. Does that matter??
@BearsAndTurtlesRtheBest wrote:Well like I said her scores are low because two cc are close to limit current scores for all three are maybe in the 620-630 I messed with the score stimulator and it saiad that once her debt reduces to 1% her scores would raise to 690-700. SOO maybe that can allow her to get a PRIME card. The only thing that she doesnt have is a mortgage or installment loan only revolving. Does that matter??
I opened up a small installment loan to get one on my credit profile. I don't think it is a big deal, but it might help with something like an auto loan. Some credit scores weigh heavy towards installment loans if they are for an installment loan.
@Trish look im no fighter okay AND definitely not a FRAUD if you dont like what I post simply ignore me. and keep on with your life.
@TrishN wrote:http://ficoforums.myfico.com/t5/Credit-Cards/WOW-Mom-got-a-offer-through-the-mail/td-p/1802814
too lazy to pull all his posted. check 4 of them you guy see something not right !
They could have a thousand posts like this and I would still not see it as cause for concern.
BearsAndTurtlesRtheBest:
I found this forum too long after I started building credit. I wish I would have found it early on before i started building. It would have been so helpful. I am glad you are here to learn now.
I agree this forum has helped me out ALOT Ive gained knowledge in credit that Ive surprise my self when I hear adults talk about credit. I know exactly what they are saying. Im glad I have found myfico at this age.
@TrishN wrote:
(...)too lazy to pull all his posted. check 4 of them you guy see something not right !
Am I the only one here who finds it particularly rude to insult a person this way and even try to build an "evidence base" for those allegations by lurking through someone's posts?
TrishN, sorry for saying this, but there's a very good rule of thumb - if you don't like someone online, just ignore him/her and what he/she says. I should've probably followed the same route with your posts, I just found it too insulting for a person you've probably never seen before.
Sorry to others for this comment. I will try not to keep going on this.
@mirachi yea thats sound good but it would be better if she can get in with the big cards asap
Who does she bank with? If it is a large national bank, they are bound to have some decent credit products.