I have a FICO if 645, 3 derogs that are 5 year sold and 70% utilization on my 3 active credit lines (all a HELOC that I used to buy a car with). Do I have a chance of approval with Dell for a $2500 laptop that I need for my business? I can prove a $100K income
if you have that score on Experian you should get an approval because that is who Dell usually pulls.
I wouldn't finance thru Dell...27% interest (and that was on their PREFERRED account!) is what you'll probably get and even though you pay it in full they charged me "residual" interest on carrying the balance for 3 freaken weeks! I called them and they said I owed it from the previous month (heck it was only 5.92) so I paid it, then I find out they waived it so now my account is -5.92! I really don't want to have to call India to get my money back YIKES All my other loans/credit cards don't charge me if I pay my balance in full...they were a waste of time to me! Then when you call CS it's some indian person who hardly speaks much english!
CALL M-F TILL NOON... I "THINK" they take-over in the evening and on weekends MANY CREDIT CARDS HAVE "OUT-SOURCED" CSR'S
