Advice on a good starter credit card

[Anonymous]

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!

[Creditaddict]

Do you have a credit score?

If so Citi Forward.

[Anonymous]

yes it is 596

[Creditaddict]

oh, what's making it so low?

[Anonymous]

mostly a short credit history.  Only 4 years.  and of course no revolving credit accounts.. hence the desired info. 

[Creditaddict]

4 years isn't really all that short.

What is reporting on it for good and for bad.

[Anonymous]

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"

[MarineVietVet]

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@Anonymous wrote:

yes it is 596

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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".

[Anonymous]

Yes it is from Fico

[Anonymous]

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@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"

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How recent are the 30 day lates? How recently was the collection paid?