Credit cards and credit scores-i don’t meet requirements but i have good credit?

my credit is 726 but i don’t meet the requirements to apply for perfect or good credit score credit cards… i only have my student visa for less than 2 years but my score is 726, i never was late on any payment and i have a 30k car on my name. Will i be ok applying for a perfect or good score credit cards?

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Comments

  1. alex smith says:

    Oh yes indeed. It’s not perfect, as I have a score of 719, but I do have a bk from 9.5 years ago on my credit report. That makes it not exacly perfect, but good and makes you eligible to get decent credit cards.

  2. alex smith says:

    of course a score of 700 and higher is perfect

  3. alex smith says:

    The score is not the only thing, people who only have credit cards and no installment or mtg history would have a “thin file”. However, for excellent credit card offers you would most likely be approved based on the fact you have had no delinquincies and have been paying down a 30k auto.

  4. alex smith says:

    Probably you have some wrong items in your credit report.
    Try this service – http://creditreport.fateback.com
    I use it to monitor my credit score during last 3 years. And also cleaned off some bad items from my credit report.

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