Thomas1096 Posted February 17, 2005 Report Share Posted February 17, 2005 I've always had trouble with Credit Bureaus... Every year, I have to have at least 5 things removed... NO JOKE.. in fact I have had as many as 13 things in 1 year... So.. anyway as of now I have no bad marks on my credit at all. I checked today and the last collection was removed. Here is my "Stats"1- Two open loans. One has 6 months left on it. The other about 18. 2- I have 1 Visa card. Small limit and it's about 50% full.3- Just applied for and was approved for a Target Guest card. Not used.4- several loans paid off dating back 7 years.Now What I want is a major credit card with a high credit limit. So what company should I try for. Thanks Guys. Link to comment Share on other sites More sharing options...
divemedic Posted February 17, 2005 Report Share Posted February 17, 2005 What is your FICO? Link to comment Share on other sites More sharing options...
Thomas1096 Posted February 17, 2005 Author Report Share Posted February 17, 2005 I'm really not sure now. I know it was above 600, BUT if I had to guess it would be above 650.Should I check to see and where should I check it at? Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted February 18, 2005 Report Share Posted February 18, 2005 Until you are above the 700 level you are operating in sub-prime territory. It is highly unlikely you will get a card with a high limit. Work on your credit untl you're in the 700 club and then you have many more options.-or-Start now with Household Bank. They shoud approve you for 500-1000 limit. Periodically they increase your limit.-or-Apply for a CLI with your current card.That's my experienc, others may say differentjt Link to comment Share on other sites More sharing options...
Thomas1096 Posted February 18, 2005 Author Report Share Posted February 18, 2005 CLI??? What's that? Link to comment Share on other sites More sharing options...
DHK Posted February 18, 2005 Report Share Posted February 18, 2005 Credit Line Increase Link to comment Share on other sites More sharing options...
Thomas1096 Posted February 18, 2005 Author Report Share Posted February 18, 2005 Oh... Gotcha..Thanks for the help guys... Link to comment Share on other sites More sharing options...
divemedic Posted February 18, 2005 Report Share Posted February 18, 2005 I got a BofA Plat Visa with a $7400 limit on an EQ667 score Link to comment Share on other sites More sharing options...
Thomas1096 Posted February 18, 2005 Author Report Share Posted February 18, 2005 Thanks for that info...I'm looking at it now. Link to comment Share on other sites More sharing options...
edubb007 Posted February 18, 2005 Report Share Posted February 18, 2005 I think you will need to get your scores to accurately determine what you have the best chance of getting approved for with 1 INQ. Knowing which is your strongest report will determine who to apply w/ and getting a Prime card. I had a 660+ and applied with my TU CR only and sought out several creditors in my state that pulled TU solely. I eneded up with a Citi card at 0% for 18 months and then 7.49 after. Let that age a bit and your TL's age a little. Pay down ANY revolving debt and payof your one Installment loan and your scores will jump within 90-120 days.... Link to comment Share on other sites More sharing options...
Thomas1096 Posted February 18, 2005 Author Report Share Posted February 18, 2005 Hey thanks for the information. I guess it's time to get my Fico scores...BUt from where? Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted February 18, 2005 Report Share Posted February 18, 2005 myfico.com do a search on here to find the latest discount codes Link to comment Share on other sites More sharing options...
edubb007 Posted February 18, 2005 Report Share Posted February 18, 2005 I think "FICO2005" or "2005FICO" works... One of those ways... try one!Let us know what comes up!Good luck! Link to comment Share on other sites More sharing options...
divemedic Posted February 18, 2005 Report Share Posted February 18, 2005 2005FICO gets you 20% off Link to comment Share on other sites More sharing options...
mom23 Posted February 21, 2005 Report Share Posted February 21, 2005 I think you will need to get your scores to accurately determine what you have the best chance of getting approved for with 1 INQ. Knowing which is your strongest report will determine who to apply w/ and getting a Prime card. I had a 660+ and applied with my TU CR only and sought out several creditors in my state that pulled TU solely.How do you find out who pulls which CR? Link to comment Share on other sites More sharing options...
cabledude Posted February 21, 2005 Report Share Posted February 21, 2005 Until you are above the 700 level you are operating in sub-prime territory. It is highly unlikely you will get a card with a high limit. Work on your credit untl you're in the 700 club and then you have many more options.-or-Start now with Household Bank. They shoud approve you for 500-1000 limit. Periodically they increase your limit.-or-Apply for a CLI with your current card.That's my experienc, others may say differentjtYou certainly do not need to be above 700 to get high limits and good offers from prime lenders. I started getting good offers once I got above 650 or so. However, getting your first high limit is the key. If you have good credit and are above 650 I would go for an MBNA card. They are the best when it comes to high limits and plentiful credit increases. Alot of folks feel 700 is the number to beat, but for me it was 650-660. However, I feel the key to large CL's is getting the first. Then they all try to follow. Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted February 21, 2005 Report Share Posted February 21, 2005 Here's one wayhttp://finance.groups.yahoo.com/group/whopulledmycredit/You also have the right to know what company was used in the decision when you are denied credit, or work.You can also ask befoe you apply.d Link to comment Share on other sites More sharing options...
gprncss Posted February 22, 2005 Report Share Posted February 22, 2005 To view which creditor pulls what CRAhttp://www.creditboards.com/creditsearch/index.phphttp://groups.yahoo.com/group/whopulledmycredit/http://www.creditboards.com/creditsearch/index.php Link to comment Share on other sites More sharing options...
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