cancel
Showing results for 
Search instead for 
Did you mean: 

Month after getting a secured card my Fico shows 753.

tag
Anonymous
Not applicable

Month after getting a secured card my Fico shows 753.

Discover secured card now shows a 753 Fico from Transunion. No Fico before because I had no open credit on file. Is it safe to apply for a Amazon credit card?
Message 1 of 5
4 REPLIES 4
SouthJamaica
Mega Contributor

Re: Month after getting a secured card my Fico shows 753.


@Anonymous wrote:
Discover secured card now shows a 753 Fico from Transunion. No Fico before because I had no open credit on file. Is it safe to apply for a Amazon credit card?

Wow. Nice.

 

Well it's never "safe" but might as well give it a shot.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 708 TU 714 EX 715

Message 2 of 5
Anonymous
Not applicable

Re: Month after getting a secured card my Fico shows 753.

I would make sure you're reporting to EQ/EX as well.

 

Direct w/ Experian you can get your Fico for free or opt for their 3B report / scores for $1 and get all 3 of them.

 

Chase is known to double pull 2 out of the 3 CRA's when applying for new credit.

 

Also, Chase is know to like seeing at least 12 months of history prior to approval in most cases.

Message 3 of 5
SouthJamaica
Mega Contributor

Re: Month after getting a secured card my Fico shows 753.


@Anonymous wrote:

I would make sure you're reporting to EQ/EX as well.

 

Direct w/ Experian you can get your Fico for free or opt for their 3B report / scores for $1 and get all 3 of them.

 

Chase is known to double pull 2 out of the 3 CRA's when applying for new credit.

 

Also, Chase is know to like seeing at least 12 months of history prior to approval in most cases.


I didn't think OP was talking about the Chase Amazon Visa. Yes it would be premature for OP to apply for the Chase card.

 

I thought OP was referring to the Amazon store card issued by Synchrony.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 708 TU 714 EX 715

Message 4 of 5
Anonymous
Not applicable

Re: Month after getting a secured card my Fico shows 753.


@Anonymous wrote:
Discover secured card now shows a 753 Fico from Transunion. No Fico before because I had no open credit on file. Is it safe to apply for a Amazon credit card?

So that's your only open credit account?  On a super thin file such as that, I'd probably suggest holding out on apps until your account ages a bit more outside of perhaps another secured card like Capital One that would be a sure approval.

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.