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What are my chances....

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Dchosen1
Valued Member

What are my chances....

Hello all, i am new to the forums, pls excuse the lack of experience.

I have been trying to clean up my credit for the past year or so.
I just ran my myFICO scores yesterday, and to my surprise, my score are not bad! (Exp: 667, EQ: 688, TR: 698)
The only negative items on my history are a couple late (30 day) payments on my auto loan, both within the last year or so. Second, a Auto Loan repo, about 3.5 years ago.
Based on that, what would be my chances of getting approved for a well known credit card such as AMEX, or a bank card like Chase Visa or similar???

 

Thx in advanced!!


Starting Score: 590
Current Score: 670
Goal Score: 850


Take the myFICO Fitness Challenge
Message 1 of 33
32 REPLIES 32
iwant700fico
Frequent Contributor

Re: What are my chances....

Do you have any open credit cards? 

EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 2 of 33
Dchosen1
Valued Member

Re: What are my chances....

Yes, a Best Buy card, opened about 3 years ago, limit $750.


Starting Score: 590
Current Score: 670
Goal Score: 850


Take the myFICO Fitness Challenge
Message 3 of 33
yudeology101
Senior Contributor

Re: What are my chances....

Welcome to the forum. 

 

First I would suggest using the pre-qual sites (Chase, AMEX, Barclays, Cap1, Citi) and see if there are any offers that match your credit profile.  While your lates on your auto loan may seem pretty recent to major lenders, I would also go GW your auto lender and see if you can get those settled. 

 

Based on your scores, you have a decent shot at getting some good cards, try the pre-qual sites first and see if anything comes up. 

 

 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 4 of 33
iwant700fico
Frequent Contributor

Re: What are my chances....

try creditcards.com site and see if  you have any preapproval cards there.  Commenity Bank has very good visa card (Total rewards Card). you have good chance of getting it in my opinion.

EQ 786 2/2018
TU 792 8/2018
EX 776 2/2018 Chase CSR $28.5k
Barclay Advantage $17.5 k
Amex BCE $29k
CITI Advantage $24.2k
Amex HILTON $13k
Total Rewards visa $20K
Chase INK $11k
Chase Sapphire Reserve $28.5k
BOA 8k
Discover IT 8K
Message 5 of 33
Dchosen1
Valued Member

Re: What are my chances....

Thanks all for the great info. Any cards I should give preference to since my TransUnion score is the highest?


Starting Score: 590
Current Score: 670
Goal Score: 850


Take the myFICO Fitness Challenge
Message 6 of 33
Kenny
Moderator Emeritus

Re: What are my chances....


@Dchosen1 wrote:

Thanks all for the great info. Any cards I should give preference to since my TransUnion score is the highest?


Barclays. Smiley Happy https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action

Message 7 of 33
yudeology101
Senior Contributor

Re: What are my chances....


@Dchosen1 wrote:

Thanks all for the great info. Any cards I should give preference to since my TransUnion score is the highest?


Discover IT/ Barclays/ GE cards

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 8 of 33
Creditaddict
Legendary Contributor

Re: What are my chances....

I would apply for a Sallie Mae Card by Barclay.

Message 9 of 33
B335is
Moderator Emeritus

Re: What are my chances....

I would try Discover and Barclaycard pre-approval. 

Message 10 of 33
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