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birchwood99

Card Recommendation?

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Hey All, my girl is looking for a new major credit card. She is also wanting to do a small balance transfer. Under $1000. Her FICO scores are as follows:

 

EQ - 746

TU - 707

EX- 698

 

She has six inqs since June 2017 and some new credit.. all installment.. a new auto and a RV loan. No major baddies. One 30 day from June 2017. She also has an existing major credit credit card with a $5500 limit and 10% util. Few other store card with no balance. Although EQ is her best score.. we prefer EX or TU as they have the least Inqs. EQ is king around here locally :)

 

Suggestions?

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FWIW, a 30 day late that is under 24 months of age is a major baddy...

 

which version of FICO are those scores? what reasons/factors is FICO providing?

 

if the purpose is only a BT, there are several good BT offers out there right now, including some from regional banks.

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Thanks For the reply.. Did not know 30 day so soon was major.. ha! Makes sense.

 

Those scores were under the main dashboard on MyFICO. The credit card specific scores are:

 

EQ - 757 Bankcard Score 8

EQ - 752 Bankcard Score 5

TU - 705 Bankcard Score 8

TU - 764 Bankcard Score 4

EX - 700 Bankcard Score 8

EX - 700 FICO Score 3

EX - 712 Bankcard Score 2

Reasons are..

--

EQ:

You have one or more accounts showing missed payments or derogatory indicators.
You have a short credit history.

TU:

You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report. ** Need to investigate this. Should be no 60 day.
You recently missed a payment or had a derogatory indicator reported on your credit report.
The remaining balance on your mortgage or non-mortgage installment loans is too high.

EX:

You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
You have a short credit history.
You recently missed a payment or had a derogatory indicator reported on your credit report.
--

 

You can see no 60 day on EQ hence the higher score.

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