Insufficient Credit history..

Anonymous · ‎12-10-2014

Not Sure if this is the right forum for this. But Im 24 and i just started recently trying to aquire Credit Cards to build credit. I got approved for Fingerhut and Kay Jewelers. Cap one wants a deposit on there Walmart denied me Tjmax denied me Best buy denied me. Any other offers i should try. PS: Cap one sent me a offer in the mail and i typed it in oline and refilled out the app and got denied ..

Techsavvy · ‎12-10-2014

Maybe try the shopping cart trick online at stores like Victoria Secret, Buckle or J crew to name a few. These stores are backed by Comenity Bank and if you meet their credit criteria a pre approval pop up will appear after you add some items to your cart and hit checkout then when you enter your name and billing address a pre approval will appear. Just search shopping cart trick and you will see numerous threads about how it works. The preapprovals do not result in a hard pull (inquiry) on your credit report which could effect your score.

Beginning credit score 3/13 TU 600, EX 601
Current scores 04/15 MYFICO TU 710, EX 699, EQ 663
NFCU Cash Rewards Signature Visa $12,500, Venture $10,000, Venture One $5000, BBVA NBA Amex $3,500, NFL Extra Points World Mastercard $2,500, Sallie Mae Rewards World Mastercard $2,500, Barclay's Reward Mastercard $5,300, Paypal Extras Platinum Mastercard $2,501, Capital One QSI $2,750, Merrick Visa $1100, Discover It $1000, Walmart $6,000, Kohl's $1000, VS $1450, Buckle $1250, Kingsized $1250, HSN $1150, Target $400, TJX Rewards $3500, Chevron $3500

Anonymous · ‎12-10-2014

@Anonymous wrote:
Not Sure if this is the right forum for this. But Im 24 and i just started recently trying to aquire Credit Cards to build credit. I got approved for Fingerhut and Kay Jewelers. Cap one wants a deposit on there Walmart denied me Tjmax denied me Best buy denied me. Any other offers i should try. PS: Cap one sent me a offer in the mail and i typed it in oline and refilled out the app and got denied ..

For starters, what does your credit profile look like? Let's start with scores on all 3 bureau's.

Anonymous · ‎12-10-2014

@Anonymous wrote:
@Anonymous wrote:
Not Sure if this is the right forum for this. But Im 24 and i just started recently trying to aquire Credit Cards to build credit. I got approved for Fingerhut and Kay Jewelers. Cap one wants a deposit on there Walmart denied me Tjmax denied me Best buy denied me. Any other offers i should try. PS: Cap one sent me a offer in the mail and i typed it in oline and refilled out the app and got denied ..
For starters, what does your credit profile look like? Let's start with scores on all 3 bureau's.

Nixon, I like your post. Without a credit profile and a strategy, the answers won't make much of a difference.

NRB525 · ‎12-10-2014

Welcome to the forums!

+1 to Nixon's request for more background.

Most likely you will want to follow up with Capital One to open a secured credit card. It is one of the more common methods to get started with credit cards that are not store cards.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎12-10-2014

@NRB525 wrote:
It is one of the more common methods to get started with credit cards that are not store cards.

+1,000

Anonymous · ‎12-10-2014

Another case of the mysterious disappearance of new poster with a question about credit.

Anonymous · ‎12-11-2014

I'm here still 2f transiunion and a 596 from freecreditreport.com

Anonymous · ‎12-11-2014

596 experian

Anonymous · ‎12-11-2014

@Anonymous wrote:
I'm here still 2f transiunion and a 596 from freecreditreport.com

That's a FAKO.

Pull a set of FICO's from here.