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hey all.
Just wondering if anyone had any advice or ideas that would help, I'm looking to get my first credit card and I need to know if anyone can recommend a good starter card. Not heavy on fees and of course, low rate as possible. Thanks in advance!
Do you have a credit score?
If so Citi Forward.
yes it is 596
oh, what's making it so low?
mostly a short credit history. Only 4 years. and of course no revolving credit accounts.. hence the desired info.
4 years isn't really all that short.
What is reporting on it for good and for bad.
for good, "no serious delinquincy" for bad "lack of revolving credit" "1 collection on record for $543" (paid) "missed payments or derogatory statements" (3, 30 days late payments on a car ive been paying on since july 07) and "short credit history"
@Anonymous wrote:yes it is 596
Hi there. May I ask where you got your score? Is it a FICO score?
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Yes it is from Fico
@Anonymous wrote:for good, "no serious delinquincy" for bad "lack of revolving credit" "1 collection on record for $543" (paid) "missed payments or derogatory statements" (3, 30 days late payments on a car ive been paying on since july 07) and "short credit history"
How recent are the 30 day lates? How recently was the collection paid?