Locate the total wages, salaries, and tips box on the W-2 form. This is the amount that your employer has paid you after they have deducted the health premiums. Add the total amount of all health insurance premiums to the wages, salaries, and tips total. This is the total that you earned including health insurance.
Credit card issuers do not specify the average score necessary to obtain a retail credit card. There is no defined range for a fair credit score, but typically a FICO score between 640 and 680 is considered fair. To qualify for a Nordstrom card, for example, you need at least fair credit. It is recommended that your score be at least 684 or higher. For a Walmart credit card, a score of 620 or higher is recommended, but not required.
If you start with zero credit and get a loan or a credit card, youâll have a credit history but not a FICO score. This can make it tough to qualify for good-credit credit cards. After six months of having a line of credit, youâll have a FICO score, but it wonât be a perfect 850. If you make all your payments on time and borrow wisely, though, you could have a score over 700. (It wonât take as long to generate a credit score from VantageScore, FICOâs competitor.)