SHM88 Posted February 8, 2007 Report Share Posted February 8, 2007 I've seen alot of people getting cc's after finishing with the credit repair process. However, I'm a SHM with no income other than Husband's (his credit is worst than mine) My scores are in the Low 600s and I have a Crap 1 with $300 CL. Also have 4 student loans that are active and paying as agreed. My question is, do anyone know of any cc's that would extend credit to people without income? Sometimes being a stay home mom has it's disadvantages! Thanks Link to comment Share on other sites More sharing options...
LNY Posted February 8, 2007 Report Share Posted February 8, 2007 I've seen alot of people getting cc's after finishing with the credit repair process. However, I'm a SHM with no income other than Husband's (his credit is worst than mine) My scores are in the Low 600s and I have a Crap 1 with $300 CL. Also have 4 student loans that are active and paying as agreed. My question is, do anyone know of any cc's that would extend credit to people without income? Sometimes being a stay home mom has it's disadvantages! ThanksWhat is your Experian report like? Macy's and Bloomingdale's have no income questions on their applications. If you have over 600 and no negatives (that would probably be necessary with such a thin file), you have a decent chance of getting both... do them one right after the other and most people report only getting hit with one inquiry. You might get low CLs, but they're still TLs and you have to start somewhere. Good luck! Link to comment Share on other sites More sharing options...
SHM88 Posted February 8, 2007 Author Report Share Posted February 8, 2007 My EX shows 1 potential neg (collection that is being disputed from back in Nov. 2006) shows 7 postives tradelines and a paid CO. The positives are student loans. MyFICO has me at 615So I guess I can't say I don't have a negative since that might be viewed as one.. But I will try. Link to comment Share on other sites More sharing options...
LNY Posted February 8, 2007 Report Share Posted February 8, 2007 My EX shows 1 potential neg (collection that is being disputed from back in Nov. 2006) shows 7 postives tradelines and a paid CO. The positives are student loans. MyFICO has me at 615So I guess I can't say I don't have a negative since that might be viewed as one.. But I will try.If you have the inquiries to burn, it can't hurt to try!!! Link to comment Share on other sites More sharing options...
SHM88 Posted February 8, 2007 Author Report Share Posted February 8, 2007 Okay...Just applied (biting nails) to both and both says "Thanks for applying, requires further processing":Fingers Crossed: Will let you know Link to comment Share on other sites More sharing options...
LNY Posted February 8, 2007 Report Share Posted February 8, 2007 Okay...Just applied (biting nails) to both and both says "Thanks for applying, requires further processing":Fingers Crossed: Will let you know Link to comment Share on other sites More sharing options...
SHM88 Posted February 8, 2007 Author Report Share Posted February 8, 2007 Just checked my Experian Report, got hit with both inquiries .Still no word on whether I was approved, just a email stating 7-10 days for response. Also checked score through EX 687, though MYFICO has me at 616 Link to comment Share on other sites More sharing options...
LNY Posted February 8, 2007 Report Share Posted February 8, 2007 Just checked my Experian Report, got hit with both inquiries .Still no word on whether I was approved, just a email stating 7-10 days for response. Also checked score through EX 687, though MYFICO has me at 616They will use that 687. One of the rare creditors who don't use FICO. Link to comment Share on other sites More sharing options...
yaya Posted February 8, 2007 Report Share Posted February 8, 2007 I am in the same situation with no kids, I include my husband's income in questions that ask for Household Income. I have four student loans in deferrment, with a couple of lates from 2004, three chargeoffs under 300. on TU and EXP, EQ is almost clean with one 30. unpaid chargeoff due to fall off this year. (I have no idea what my ficos are)I choose "other" for unemployment if it asks. Before you fill out any application online, press enter, it will then tell you the required fields that must be filled out and usually employer info is not included, just household income.I have been denied for Target, Walmart, and Old Navy.I have recently gotten the Best Buy Store Card, applied online, said to call to verify info, they verified some personal info, then she asked do you work? I said no, she said your credit limit is 2000., and proceeded to give me my account number to use right away.I tried the Bank of America self inquiry, got three card options for 1000., applied for the BofA Amex, hard inquiry on EXP got 2000, after verification call, no questions about working, just address question.https://preapproved.bankofamerica.com/bc/SelfInquiry.aspxI have recently used pre-approval letters for Chase and Washington Mutual and got 1500. instant online from Wamu, Chase I am approved, but I have to wait to get the limit. Also try the spiegel and newport news pre-approval links, they are both softs on experian, and I got 500. from each instant online.https://www.spiegel.com/credit/eligcheck.asphttp://www.newport-news.com/credit/preapprove.aspxYou can also try the HSBC and Orchard soft inquires and see what you might be approved for as well.https://www.hsbcapply.com/start/hsbccreditcard?pf=hbusapply&media=H5IS12H200611000163APhttps://www.hsbcapply.com/start/orchardbank;jsessionid=0001VNv9CNc3qKLHL8pnGsjGg-5:vvbfs249Good luck! Link to comment Share on other sites More sharing options...
SHM88 Posted February 9, 2007 Author Report Share Posted February 9, 2007 Rats!!Denied for Macys and BloomingdalesScore EQ 616 EX 613 TU 633 MyFicoOh well... Was approved for Orchard... no way of telling what the limit isWas instantly approved for WaMu Visa PlatinumSo, I think I'll be grateful for those and start to rebuild. Link to comment Share on other sites More sharing options...
SHM88 Posted February 9, 2007 Author Report Share Posted February 9, 2007 hummmmm.Denied for Juniper Sea Miles as well... Link to comment Share on other sites More sharing options...
LNY Posted February 9, 2007 Report Share Posted February 9, 2007 Wait, denied for Macy's but instantly approved for WaMu? What is going ON over there? WaMu Gone Wild!!! Link to comment Share on other sites More sharing options...
SHM88 Posted February 9, 2007 Author Report Share Posted February 9, 2007 I Know..Instantly approved for WaMu CL $1000 even though website orginally said $30K Defin, a gitch on their website but I just called and they said Congrats... Link to comment Share on other sites More sharing options...
LNY Posted February 9, 2007 Report Share Posted February 9, 2007 I Know..Instantly approved for WaMu CL $1000 even though website orginally said $30K Defin, a gitch on their website but I just called and they said Congrats...You're the second one this week. That's why I said WaMu Gone Wild... I meant to ask you if you got $30k too!! Sorry for the denials, those were the only cards I could think of that would not ask for income, but thin files are always tricky. But congrats on your approvals! You're on your way! Link to comment Share on other sites More sharing options...
SHM88 Posted February 9, 2007 Author Report Share Posted February 9, 2007 Thanks Link to comment Share on other sites More sharing options...
LNY Posted February 9, 2007 Report Share Posted February 9, 2007 ThanksJust sit still for a while now, and let these new accounts (and the inquiries) age for a bit. Don't apply for anything else. Baby steps! Link to comment Share on other sites More sharing options...
SHM88 Posted February 9, 2007 Author Report Share Posted February 9, 2007 Oh, you have my word...Here are the reasons I was denied by Juniper:1)High overall credit card utilization **My balance with capital one is $0, they don't report limits:evil: 2)Insufficient history on open accounts3)High number of recent inquiries Link to comment Share on other sites More sharing options...
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