No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have a stellar credit history- three paid off mortages-15 various credit accounts paid in full over 35 years-six car loans- and a fico score from trans-union@680?
i currently have only one credit card with a 30% utilization rate on a $22000 limits
My credit score was 801 in 2005. Two years ago it was 740. Now 680 which makes my credit "fair". I have never missed a payment in 35 years. NO dings whatsover on my credit. NONE. And now i am faced with issues if i try to rent a place or buy a car on credit.
Can anyone tell me what I have to do to improve my score?
Please HELP~
Pay down your card and get a couple more. 3 seems to be the sweetspot for FICO it seems.
makes sense but now? how do i get more cards with questionable credit?
Thanks!
Do you know your EX score or EQ? For Example Amex Pulls EX so if your EX is higher you might had a good chance getting one of those cards. Citi pulled EQ for me so a higher EQ score could be good if you can find out which cards pull which. Barclays pull TU. Credit score alone doesn't tell your Credit History and if you have no dings you might still get approved.
@Closingracer99 wrote:Do you know your EX score or EQ? For Example Amex Pulls EX so if your EX is higher you might had a good chance getting one of those cards. Citi pulled EQ for me so a higher EQ score could be good if you can find out which cards pull which. Barclays pull TU. Credit score alone doesn't tell your Credit History and if you have no dings you might still get approved.
No. I don't. I will pay for my Experian and Equifax scores tomorrow and get copies of my credit report. It is a shame that they have decided i am a poor credit risk.
Total crap.
@Anonymous wrote:
@Closingracer99 wrote:Do you know your EX score or EQ? For Example Amex Pulls EX so if your EX is higher you might had a good chance getting one of those cards. Citi pulled EQ for me so a higher EQ score could be good if you can find out which cards pull which. Barclays pull TU. Credit score alone doesn't tell your Credit History and if you have no dings you might still get approved.
No. I don't. I will pay for my Experian and Equifax scores tomorrow and get copies of my credit report. It is a shame that they have decided i am a poor credit risk.
Total crap.
Maybe there is wrong information on your reports like a Baddie that isn't yours. I have heard stories where for example 2 people say both Named John Smith living in Bronx NY with the same Zip code. John number 1 has 4 credit cards a Car loan and pays them all on time. John 2 has 5 Credit cards and a Car loan but forgot to pay the Car loan for 1 month 60 days past due. Even though John 1 paid all his bills on time John's 2 reported missing payment could of put on John's 1 credit report
That may be. Finding out today. Thanks for your response!
Maybe your identity was stolen.
Curious to hear what you found out
@Anonymous wrote:I have a stellar credit history- three paid off mortages-15 various credit accounts paid in full over 35 years-six car loans- and a fico score from trans-union@680?
i currently have only one credit card with a 30% utilization rate on a $22000 limits
My credit score was 801 in 2005. Two years ago it was 740. Now 680 which makes my credit "fair". I have never missed a payment in 35 years. NO dings whatsover on my credit. NONE. And now i am faced with issues if i try to rent a place or buy a car on credit.
Can anyone tell me what I have to do to improve my score?
Please HELP~
Where did you get your score from? My credit karma TU is much lower than my actual FICO from here/Walmart