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  1. #1
    horriblecr is offline Newbie
    Join Date
    Dec 2005
    Posts
    2

    What CCs can I get with 598 TU FICO

    in the NY/MA area :) only have one positve TL and a charge off of less than $150 from 2001

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  3. #2
    phoenix is offline Senior Member
    Join Date
    Mar 2002
    Posts
    193

    Re: What CCs can I get with 598 TU FICO

    Originally posted by horriblecr
    in the NY/MA area :) only have one positve TL and a charge off of less than $150 from 2001
    Possibly try the Orchard Bank as a credit builder?

  4. #3
    TVercetti is offline Member
    Join Date
    Sep 2005
    Posts
    53

    Re: What CCs can I get with 598 TU

    Unfortunatly nobody seems to be pulling TU. TU was my strongest for a long time at 787. It took a while for EQ and EX to catchup.

    I am also in MA. What are your other 2 scores like?

  5. #4
    xhardc0re is offline Junior Member
    Join Date
    Aug 2004
    Posts
    48

    Re: What CCs can I get with 598 TU

    At 598 Orchard would approve you. I wonder if Providian/Washington Mutual has toughened up their credit standards since the acquisition? They might do so. Hitting 620+ will open many options. What does the rest of your report look like? Chargeoffs? Bankruptcy? Utilized credit > 30%? Those are 3 factors which will effect your approval as much as the bare FICO score standing by itself.

  6. #5
    furtik is offline Junior Member
    Join Date
    Jul 2004
    Posts
    48

    Re: What CCs can I get with 598 TU

    I applied for a Providian credit card last month in Virginia, they have an exclusive deal with TU and offer free TU credit scores with credit card accounts. I pulled all three credit reports today and looks like they only checked TU. Hope this helps!

    http://www.providian.com
    Furtik

    7/15/04
    EX - 530 EQ - 555 TU - 548
    12/27/05
    EX - 591 EQ 586 TU 671

  7. #6
    Shumake is offline Newbie
    Join Date
    Jan 2003
    Posts
    4
    With that in mind is there anyone that checks equifax exclusively?

  8. #7
    Suzie46 is offline Senior Member
    Join Date
    Jun 2006
    Location
    PA
    Posts
    231
    I'm still learning here, but here is something that you may find useful.

    http://www.whogavemecredit.com/index.php

    Good Luck.

  9. #8
    Suzie46 is offline Senior Member
    Join Date
    Jun 2006
    Location
    PA
    Posts
    231
    Also look in this forum at the top section - there are posts that are marked "Sticky". Read the one called "Find Out: Which CRA is pulled"

  10. #9
    owe2much is offline Senior Member
    Join Date
    Jul 2006
    Posts
    169
    I just got a Walmart card ( not discover) and they pulled TU. ( apply online)

    My friend got a First Premier and they used TU also.

    I am in the Mid-West, scores at the time were around 600.

  11. #10
    Suzie46 is offline Senior Member
    Join Date
    Jun 2006
    Location
    PA
    Posts
    231
    It may depend on region. I moved from the north to the south and when I bought another car here in the south, I was told they use one of the 3 CRA's more than the other but I can't remember which is was - either EX or EQ. I think they tend use TU more in the northeast.

    Ask car dealerships and banks if one CRA is used most often in your state. But then, specific stores may use something else anyway. cc's who are based out of another region may use something different than your area does. Maybe some cc's have some business partnership with one particular CRA. (I don't know if that happens, but a theory) Ask before applying.

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