You would want your TU score to be around 600, over 620 is optimal I believe.
Seems that they usually pull TU...
Check out: whogavemecredit.com
Any idea as to where a TU score sets in relation to EQ and EXP? Thanks
There's no set variance, each bureau's model treats different profiles uniquely. TU tends to be my middle score.
I agree with Shogun, 600 minimum, 620 optimum. 680 or so I think could get the Discover version.
|Chase Freedom $9500|
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
|Lowe's CC $8500|
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
When I applied I had a GE product (PP smart connect), they pulled TU which was around 726 at the time. My Util was 3% and only had 1 30 day late as a negative (other than an inquiry from a loan in may).
Beware of applying with a short history, high util and too many inquiries. I have seen 2 family members get declined for too many inquiries (3-5), short credit history (6-8 months) and high util (over 50%).
On the other hand, PP instant approved me for $300 even though I had a 30 day late the month prior that had already reported and only had another account with extremely high util (85%!). So that is another option for a card that grows with you and is lenient with approvals.