Frequent Contributor
Posts: 492
Registered: ‎07-24-2012

Re: Afraid to ditch subprime...

I second Revelate's card recommendations, with the addition of Barclay's (Apple or Cash Rewards are anecdotally among the easy-to-get ones).


Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008

Re: Afraid to ditch subprime...

I don't think it's unreasonable to have those goals.  Look like you're well underway to getting your scores where they need to be.  Small steps for sure.  Getting those irritating sub-primes out of your wallet is something every creditbuilder wants to do.  Without these forums I wouldn't even know what to do to get into Primeland.  The Wally card will be a safe bet though.  No AF and it's actually kinda useful, and I don't even shop at Wallyworld all that often and if I do it's just to buy ammo.  I want that CF card myself, but since I just got my CSP I'm not willing to take another HP just yet for it.  It's definately on my to-get list. 

AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
Homeowner since 05/29/13
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Afraid to ditch subprime...

JPersat wrote:

Revelate wrote:

I think you can do better, the Credit One is really doing nothing for you and are you sure that their fees are waived for you?  All the pre-approvals I keep getting from them are laughably ugly when it comes to their fee structure.  I'd close it and not look back honestly.


I don't agree with cdnewman's analysis in this case (though I usually do FWIW), there are plenty of cards around the 640-660 mark which you appear to be at.


Amex entry charge card (Green)

Chase Freedom

Walmart (really it's below this anecdotally, if you shop there it's worthwhile I think, maybe for the FICO alone depending how you value that personally).


Get through closing, take a breather, and thwn when you come up for air take a look around and figure out what your spending pattern is going to be post mortgage (need home improvements in the future for example?) and then come up with the cards that make sense for you over the next year or so and pick one or two.  


I haven't noticed their bullsh*t $7 something a month charge on it for the annual fee this year. I'm fairly certain that my husband was able to get the APR lowered (just for 6 months, but it's been at a 0 balance since then) and the AF waived for a year. Back in the land of the 4 and 500s, I didn't care too much about the $7 a month..I was just happy to have a card. Nowadays, though..that could be a nice hot starbucks coffee treat :smileyhappy:


Lowes would be a plus because I have a few things I'm itching to do to the house. It's turn key, so I don't have to do them right away, just somewhere down the line.

I think you need to be at the 680 plus range before you start thinking about getting Chase.


You should look at Walmart when you're at the 650 range.


Lowes, 650ish range.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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