i was just curious if anyone knew what score model and what score would be a safe bet to app for these? i have a cap1 secured card but would like to ad these as i use both paypal and amazon a lot. my fico 8 is EQ 625, TU 599, EX 608. I do have a few collections and late payments(late is almost 11 months old) and 2 co credit cards for hsbc abd credit one from 2011. Just dont want to waste the inquiry if i'm not where i need to be.
Google credit pulls database, it's a wide range I've seen some Amazon store cards on there show scores in the high 500s now with the lates and collections it may be shaky...IMO I would hold off a bit on both on those apps.
Good luck! I'm pretty sure my scores were on par with yours when I got in with Paypal.
My score is 647 with 7CA, 3 Judgement and was approved for $500 on Amazon yesterday. I also did 13 inquiries yesterday
FICO 8: 1/1/16 / 12/30/2016 [EQ: 518/681] [TU:522/714] [EX: 535/689] TCL: $108K INQ: 138 between the 3 NO MO CARD FOR ME
I was approved for Amazon just this week. They pull TU which is hovering around 650. CL is 1000. I applied in March with same score, same utilization, and fewer inquiries, and declined.
I also applied for the PayPal MC, not PayPal credit, approved 800, also pulled TU.
|Total CL: $321.7k||UTL: 2%||AAoA: 7.0yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|
****EDIT**** My score for TU is now 607 for the fico8 model, anyone know which model they use?