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ParkerJ03

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A credit card with 620 score

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It's doable. I had just come out of Chapter 13 bankruptcy and had a score (at the time) of 611, and CapitalOne had no problems with a modest credit card. Note that I could prove my income (and it was more than enough to satisfy them). Over time, my credit limit went up (I never go over 5% of the limit each month, and I also always pay the balance to $0 each month.)  My score is around 710 on average now, a bit over 18 months later.

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