Hello, i'm currently working on rebuilding my credit.
TU - 594, Equifax - 597, Experian - 579
No auto loans.
8 student loan accounts all in good standing; they're deferred until next April but I have began paying on them.
I have two accounts in collections--one was recently paid because I was served, and the other I have not yet touched. Both accounts are a little over a year old.
I have a CO with Capitol One. It's an outstanding balance of $1,227 with 123% utilization. I'm beginning to pay it off this month.
I applied for the Discover IT Secured CC last weekend & was approved. I'm so excited to help rebuild my credit. I want to apply for the Citi Secured CC but I'm a bit weary after reading a couple of posts. It's either a hit or a miss when it comes to getting approved and the wait time is so long. Do I even stand a chance? Thanks guys.
