I have a score of 622 with TransUnion and I cannot... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » I have a score of 622 with TransUnion and I cannot get approved for card. However, a friend of mine has a...

I have a score of 622 with TransUnion and I cannot get approved for card. However, a friend of mine has a score of 534 and was approved. Why?

Answered on | Updated on March 3rd, 2013
The content is accurate at the time of publication and is subject to change.

There are many different factors credit card issuers take into account when they consider your application. They look at the length of your credit history, income, employment, credit score, and some other factors. If the issuer finds you are not creditworthy, your application will be denied. If you apply for credit card which does not fit your credit history, your application may also be denied. The problem may be that you are applying for cards that are only issued to people with good or excellent credit. A score of 622 is considered fair.  With your credit score you should apply for a credit card for fair credit history.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
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