nick1993 wrote:Okay guys my score is 653 but has been rising lately as I have paid off a loan and a lot of debt. Do you guys have a recomendation for a balance transfer for my credit score?
First off, it's never just about score but a score like that indicates issues with your credit profile that will lead to issues not just with approvals but getting a useful limit for a BT. Keep in mind that revolving utilization matters on the card you're BT'ing to so ideally if you want to transfer $X then you want a limit of at least 3 times $X.
If you have high revolving utilization then that will have an impact on the limits you'd qualify for. All you can do is such a situation is get your balances down.
You don't have just one score. If you're referring to scores then you also need to be aware of the scoring model and CRA. What is the model & CRA for the score you mentioned? You also need to consider the relevance of a model/CRA combo to a given creditor/product. Regardless of what the model & CRA for that score are the combo will not be relevant to all creditors. They do not all use the same model & CRA. With FICO alone there are many scoring models. For most scoring models you have a score with each of the 3 major CRA's.
You can refer to the Credit Pulls Database if desired. Google to find it. However, I doubt you'll be able to rely on a new card for a balance transfer even though the information you've provided is very limited.