What are some easy credit lines to be approved for? How terrible is my score?
456853
615 is not a good score. Depending on what is in your credit files you may be able to qualify for a car loan at slightly higher than normal rates. Major unsecured cards would not be approved. You may be approved for small credit lines at a dept store(Target,Macy's) or gas cards. But I can't be sure because I don't know what is in your credit files that makes your score low.\n\nGo to www.myfico.com and look in the Credit Education section and learn about credit scoring and what you might do to bring your score up.\n\nGood Luck
1005024
Welcome to the latest credit card "gotcha".....it's call UNIVERSAL DEFAULT....screw up on one credit card, one loan, and have a low credit rating....at any time....and they find out....they can increase your interest rate.....get your statement from a couple of months ago and compare the interest rate to the current.....\n\n\nFirst, go to annualreport.com....pull your free credit report and pay the $8 or 9 bucks to get your fico score....if its above 620, you can call and argue.....if your history w/ them is good, you might have a shot.....BE POLITE......Tell them you are a great customer because you carry your balance and are never late....whatever...BE POLITE, but insistent.
676735
An average credit score is around 640 - 670.  The top of the scale is 850.  Anything over 700 is good.  Anything over 750 is exceptional.  Anything approaching or over 800 is outstanding.
224192
5 steps to better credit\n\nCorrect blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.\n\nPay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.\n\nReduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.\n\n\n--------------------------------------------------------------------------------\nTry CNN/Money's new Debt Reduction Planner for help wiping out credit-card balances.\n\n\n--------------------------------------------------------------------------------\n\n\nPay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.\n\n    \n \n\nDon't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record, said Jan Davis, an executive vice president at TransUnion. What's more, a new account will lower the average age of your accounts, another factor in your FICO score.
571979
There are plenty of lenders that do loans down to 500 fico score. You just need to not have any forclosures or repos. Find a great mortgage broker that specializes in shopping for lending for those with credit issues. Push comes to shove, you can seek a credit repair specialist that can get your score up to a 560 so that you can qualify for a 80/20=100% financing loan in your area. Credit repair is costly, usually $45/line item/credit agency to get rescored, but you must be willing to either pay the debt or have a lawyer "fix" your credit using their methods.
778038
Scores range from 300 to 850.  The higher the score, the more you can borrow and at a lower rate.  The site below says the US average is 723 so you will pay a higher interest rate than the average person.\nSo, pay your bills on time and don't have to many open credit cards - they'll kill you.\n-MM
974220
Try a local credit union or bank.  Open an account with them and stay in good standing for a time.  Then get a credit card with them.  The interest rate will be much lower and there are usually no application fees, etc. that other companies try to rip you off with.\n\nI gave this advice to my daughter who had no credit rating yet.  She has a card from her own credit union now and is not being ripped off. \n\nBest Wishes,\nSue
186034
here is the link:\nwww.creditmonitoring.citi.com\n\nA couple of comments,\n\n1) For $12.95/month are you mostly interested in the credit montoring service. Because that is a very high price to pay for a very low risk. $155.40/year.\n\n2) Did you sign up to get their score analyzer? If so you are wasting you money. The score they give is only an "estimate" (go ahead and check it out, it's in their terms) and not associated with FICO scores.\n\nSave your money!\n\nIf you are planning a major purchase(car, house, etc.) go to www.myfico.com/12 and buy your real FICO credit scores(the ones the lenders use) for $45.00. They will also give you the top 4 reasons why your credit scores aren't higher which will give you a game plan.\n\nGood Luck
574791
Avoid payday loans, unless you want to pay 300% interest. If they say "we can approve you for X amount regardless of credit history" then they are shady. The variable also depends on your credit history. If it is good, with scores of at least 680, then consider going to a local credit union. Credit unions are more lenient than banks (Bank of America, Wells Fargo), and they typically give you better service. If your credit isn't good, then you could consider a secured loan by placing property you own as collateral. \n\nHow bad do you need the loan. It is hard to explain without an idea of your credit history.
627948
Fico is not the only thing Amex considers when looking at an application. Do you have any lates, collections, Public records, bankruptcy? With no previous history with Amex the lowest I have seen thus far for approval was 640 with a 3 yr old charge off no other derogatories.  If you have already established a positive payment history with Amex like have the green or gold charge cards, it is possible to get "more desired" cards like Blue, Clear, etc. with a lessor Fico. Just so you know, Amex pulls Trans Union and Equifax. If you are between 640 & 700 with no negs in the last couple years you may have a chance at their Delta, Hilton, or Starwood as the underwriting for these are more relaxed. Then one can always call and convert to a card of their choice. Good Luck! I Love AMEX! They treat their customers very well.
284582
How much do you need?\nWhat is your current credit score?
299005
No money down is possible with the right credit scores.  Or if you have at least 30% down, there are products that dont care about your score.  Put yourself in the lender's place.  I can talk further if you email me.  nlccorporate@yahoo.com
406497
There are 2 types of credit inquiries, Hard, such as when you apply for credit, and soft, when you are just accessing the credit information.  To get your credit score, and avoid a hard inquiry, go to each of the 3 major credit bureaus websites (experian.com, equifax.com and transunion.com) and do a SINGLE bureau report with score.  They run approx. $15.00 each
972175
is that good credit or bad?
568633
Here are 3 websites that will discuss your credit rating and how to improve it.  Some things can be done quickly, others take time.  Good luck!
22622
Experian, Equifax, and TransUnion are the big three credit reporting companies. Although they don't share data with each other, your credit history should not differ substantially between them. A quick browse on the web seems to indicate that Experian and Equifax are the most people-friendly, with prompt service and informative customer care.\n\nIf you want to get your credit score (not credit history; that's different and you are entitled to one inquiry from one of the agencies every year), you can go to www.myfico.com and buy a comprehensive report that will show the info that each agency has (you'll pay a minimum of about $45.00). If you just want your score from ONE of the agencies, it's about $15.00 a pop.
189608
Again bad advice. \n\nYou may get 100% financing at a 550 FICO score but I highly doubt you will like the terms. You will be "sub prime" which means a high interest rate (7%+) and possibly pre-payment penalties.\n\nYou will need a score of at least 620 to get into normal rates and even then it will be "full doc" meaning you will have to show 12 months of on time payments(rent,mortgage) and possibly explain any negative items.\n\nHopefully you have copies of all 3 of your credit reports and have reviewed them for accuracy. If not go to www.annualcreditreport.com to get all 3 for free.\n\nIf you are seriously considering buying a home with 100% financing then go to www.myfico.com and learn about FICO credit scoring. \n\nWhen you feel your credit reports are in as good a shape as they can be and you understand FICO credit scoring you can go to www.bankrate.com and put in your criteria and your area and get a list of lenders that offer mortgages for your situation.\n\nIf I were you I would also spend the $45.00 to get all 3 of your FICO credit scores at www.myfico.com/12.\n\nGood Luck