719-690
Do ANY of these describe you?
I have been more than 60 days late on more than one credit card, medical bill, or loan payment in the last year.
I have declared bankruptcy or defaulted on a loan in the past 5 years
I have limited credit history. I've had my own credit card or other credit for less than 3 years. (Including students, people new to the U.S., or authorized users on someone else's card)