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Established Member
nwilson
Posts: 96
Registered: ‎07-01-2012

Almost in the 700 club

What credit card would be best for someone like me, that is fresh out of the rebuilding stage so I have a pretty thin file.
Right now I am an AU on hubbys cap one card
I have a low limit cap one and a secured card.

When is it time to take the training wheels off?
4/26/12 - TU 600, EQ 595, EX 553
7/2/12 - TU 612, EQ 594, EX 584 Lender pull
7/7/12 - TU 664, EQ 627, EX???
GOAL - 720 minimum across the board

Mantra - Having bad credit is a sure way to become financially invisible.
Established Contributor
tcbofade
Posts: 1,044
Registered: ‎09-26-2011

Re: Almost in the 700 club

You have a decent TU score...if you don't have any baddies on that report, you might consider a Walmart card via GE.

 

Keep your utilization low, and that card will grow with you.  (and give you a free monthly update of your TU score!)



Last app 08/08/2012. App free in 2013!

Current Scores: EX 665 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:



Zero percent financing is where the devil lives...

Last app 08 Aug 12. Next app 01 January 2013.

Established Contributor
Cdnewmanpac
Posts: 686
Registered: ‎01-16-2012

Re: Almost in the 700 club

In the rebuilding forum it looked like you were planning to buy a home soon. If that is the case, DO NOT apply for any cards until you have closed and have the keys in your hand. Even then 660s are gonna be marginal for the better cards. If you can tough it out for 6 months of mortgage reporting, my guess is you will have more choices and much better limits when approved.
NewCardssmall
9500 5000 13000 3000 3000 5000
Frequent Contributor
BigDaddy18
Posts: 673
Registered: ‎04-23-2009

Re: Almost in the 700 club

I think your on your way that's for sure.  I agree with the wal-mart card and I raise you a Credit Union rewards card.  Credit Unions are great at give out cards and in turn if your responsible then it's a great way of rebuilding your credit.  If you aren't a member of a CU then it's always another good reason to join one to build your credit up. 


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Established Member
nwilson
Posts: 96
Registered: ‎07-01-2012

Re: Almost in the 700 club

Thanks for the info.
Yes I am in the process of getting a mortgage, so for now I know not to apply for credit. I have at least a few more months before I would even consider a new card.
I just want to know what are some of the better cards to go after, when its time to take my nice, new, shiny credit out for a spin.
4/26/12 - TU 600, EQ 595, EX 553
7/2/12 - TU 612, EQ 594, EX 584 Lender pull
7/7/12 - TU 664, EQ 627, EX???
GOAL - 720 minimum across the board

Mantra - Having bad credit is a sure way to become financially invisible.

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