I don’t really have any credit. I have two loans reporting. No credit cards and old medical bills that are like 6 years old reporting. Score on credit karma are 593&605 . I applied for the 500cloc and said they will respond in an hour is this good or bad? Should I try for one of their credit cards?
Could you provide fico scores? There are several sites that will give you free FICO scores on trial. FAKO scores are usually lower for people with your profile. How old are the loans? CLOC is usally harder to get at first youll probably be denied but you may be approved if your FICOS are a bit higher than your FAKOs....please report back. Apply for anythinf but the flagship
EX - TU - EQ FICO8's Mar-2018 - 550/580/610 - Jun-2018 - 637/655 /704 09-Sep-2018 - 732 /748/778 - Inqs12mo - 3/3/9 Thanks to you all Oldest 12.2yr - AAoA - 30months NFCU 25k + 3k->9k + 12k ----- USAA/CrapOne - 1.3k --- F-Hut - 0.087k LOL
I'd personally recommend Navy's secured card if you have the cash on hand to deposit into it. It'll be a good way to establish a history with them and once you do, you'll be able to probably get the card unsecured and/or apply for an unsecured card.
Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).