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Startacus

DH has a new higher score! Need credit card or credit line ideas..

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My DH has finally broke the 700 barrier. According to CCT, she has a 713 Experian score as of today. Has no derrogs. Has 1 inquiry on her EX report 7/13 and one $500 lien on her report from 2010. On her Experian report are 3 credit cards she is AU however she doesn't have one of her own. Would she qualify for any credit cards or credit lines on Experian with this score / info? She currently has a high interest loan not showing on her report that we would like to pay off with a lower interest loan / credit card. Thanks for any and all comments.

Edited by Startacus

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Sorry to burst your bubble but the CCT score is meaningless. And a lien is a derog.

 

You're probably going be looking at a secured card at this point.

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Her lien is reporting on public record and has been paid. She has two of them from the same institution - both paid off at the same time. One shows released - the other shows $500.

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As shifter said, the lien is still a derogatory. Dispute it and try to get it off your CR.

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