http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707298#M474849 Hello all. I am in the process of rebuilding. My scores are in the 590's. I have about 8 baddies all coming in 08/09. Since then I have an auto loan from Wells Fargo never late opened in 2011 feb a Kay's card limit 800 balance 500 since June never late. Amex oasis limit 500 balance 135 since jan 2012 never late. I am seeing if anyone has any experience with Ventura area credit unions or Los Angeles area credit unions. I am looking to open a secured card. Prior to that I am going to pay off the Kay's card so my utl should be better. Thx for your help! Sun, 18 Nov 2012 22:55:46 GMT Lightdog555 2012-11-18T22:55:46Z http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707298#M474849 Hello all. I am in the process of rebuilding. My scores are in the 590's. I have about 8 baddies all coming in 08/09. Since then I have an auto loan from Wells Fargo never late opened in 2011 feb a Kay's card limit 800 balance 500 since June never late. Amex oasis limit 500 balance 135 since jan 2012 never late. I am seeing if anyone has any experience with Ventura area credit unions or Los Angeles area credit unions. I am looking to open a secured card. Prior to that I am going to pay off the Kay's card so my utl should be better. Thx for your help! Sun, 18 Nov 2012 22:55:46 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707298#M474849 Lightdog555 2012-11-18T22:55:46Z http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707380#M474874 <p>@Lightdog555 I don't know how much of a factor it will be but when I recieved my first secured card from Capital One I was in Encino. After six months of perfect payment history, I was pre approved for a Capital One rewards card. Either way, at 590 IMO secured is the way to go. Good luck and keep us posted. </p> Mon, 19 Nov 2012 00:12:50 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707380#M474874 CreditResuscitation 2012-11-19T00:12:50Z http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707504#M474915 <blockquote><hr>Lightdog555 wrote:<br>Hello all. I am in the process of rebuilding. My scores are in the 590's. I have about 8 baddies all coming in 08/09. Since then I have an auto loan from Wells Fargo never late opened in 2011 feb a Kay's card limit 800 balance 500 since June never late. Amex oasis limit 500 balance 135 since jan 2012 never late. I am seeing if anyone has any experience with Ventura area credit unions or Los Angeles area credit unions. I am looking to open a secured card. Prior to that I am going to pay off the Kay's card so my utl should be better. Thx for your help!<hr></blockquote><p>Since you are already a customer, the Wells Fargo secured card has good terms and likely approval.    Worth considering if CU does not work out.  </p><p> </p> Mon, 19 Nov 2012 01:52:58 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707504#M474915 Wolf3 2012-11-19T01:52:58Z http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707734#M474985 It can be an on line credit union as well. Just really looking for a card that can grow with me. I know cap 1 and some others don't grow. Really was looking for people's expericenes. Thx for the help! Mon, 19 Nov 2012 04:33:43 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Secured-card-Ventura-Ca-area/m-p/1707734#M474985 Lightdog555 2012-11-19T04:33:43Z