When do you consider that you're no longer Sub-prime material in regards to credit cards? Is it when your bankruptcy falls off? Is it when you reach the 720 credit score? When you start getting pre-approved offers from major credit card companies? When you've reached the maximum allowable credit limit on your subprime cards; usually $1000.00. I'm just wondering when I can stop clicking the "Poor" credit rating buttons on online credit apps and start clicking the "Good" buttons.
you can apply after you have 0 - lates on report, no BK on report and your fico is about 700. You will qualify for virutally any prime when there is no derog. info on you... keep in mind that you still have to watch your utilization... this is a huge factor and can move your score up and down almost 80 points.
That's what I figured. As long as my BK appears on my report I'll be subprime. Ho hum. Seven more years to go...
