fico score is 620 looking for a credit card.

[enharu]

I am confused.

Why are your scores only 620 if you have no baddies, 20% utilization, and only 3 inquiries?

Did you pull a recent copy of your CR?

Is that 620 score FAKO or FICO?

[murat]

my score is fico.i just pulled up here and it says short credit history.I dont know why.I got  my ssn about 2 years ago.i have a 300 orchard and 300 bof secured cards.

[armbenderc]

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@murat wrote:

my score is fico.i just pulled up here and it says short credit history.I dont know why.I got  my ssn about 2 years ago.i have a 300 orchard and 300 bof secured cards.

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Makes sure your UTIL is low and I would app for Cap1.  Seems to me that cap1 is getting better with CLI and they practically gave away unsecured card.

[HiLine]

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@murat wrote:

my score is fico.i just pulled up here and it says short credit history.I dont know why.I got  my ssn about 2 years ago.i have a 300 orchard and 300 bof secured cards.

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It's impossible to have a score that low with perfect payment history and 20% utilization ratio. If I were you I would check my credit report to see if anything is being erroneously reported. Your FICO score should be approximately 100 points higher. 

[murat]

whats my score should be like?what would be my problem then?

[HiLine]

Perhaps take some screenshots of your credit report so we can help you identify the trouble spots? 

[murat]

if i ask bof to convert my secured cc to unsecured do you think they will do it?

[HiLine]

If your BofA card is near 1 year old and you have always paid in full, you'll have a good shot.

[murat]

i couldnt paid it off every month.it is little over 1 year.i owe 100 right now.

[HiLine]

You can still give it a try. If they don't grant your request, then pay off the balance and call again.