Best Cards for Starting Over???

[DrDG]

I am going to buy a home within the next 18 months. In the meantime, I am looking to get my scores as high as humanly possible. I've been diligently working on my credit. Paying things off and such. I know that until I have some positive revolving credit and some time on my credit, I'm not going to get very far. Any suggestions would be grately appreciated. Thank you!!! 

[Anonymous]

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@DrDG wrote:

I am going to buy a home within the next 18 months. In the meantime, I am looking to get my scores as high as humanly possible. I've been diligently working on my credit. Paying things off and such. I know that until I have some positive revolving credit and some time on my credit, I'm not going to get very far. Any suggestions would be grately appreciated. Thank you!!! 

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Cap1 or Barclay might give you a shot.

[bigDEElight]

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@DrDG wrote:

I am going to buy a home within the next 18 months. In the meantime, I am looking to get my scores as high as humanly possible. I've been diligently working on my credit. Paying things off and such. I know that until I have some positive revolving credit and some time on my credit, I'm not going to get very far. Any suggestions would be grately appreciated. Thank you!!! 

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In addition to your Wells Fargo Secured, have you tried the Pre-Qual site for Capital One? They helped me during my rebuild and may be useful. Also may want to open one or two store cards, but not too many. 

[DrDG]

Been looking into Barclaycard Reward, a little afraid of Capital 1. I have never seen such horrible reviews as theirs. I googled Cap 1 CC reviews. I believe they were on Credit Karma. Horrible reviews of taking people through the ringer. 

[DrDG]

Been looking into Barclaycard Reward, a little afraid of Capital 1. I have never seen such horrible reviews as theirs. I googled Cap 1 CC reviews. I believe they were on Credit Karma. Horrible reviews of taking people through the ringer. Can you tell me if the pre-qual site does a hard or soft pull?

[Anonymous]

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@DrDG wrote:

Been looking into Barclaycard Reward, a little afraid of Capital 1. I have never seen such horrible reviews as theirs. I googled Cap 1 CC reviews. I believe they were on Credit Karma. Horrible reviews of taking people through the ringer. Can you tell me if the pre-qual site does a hard or soft pull?

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Soft.

[SevenNEW]

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@Anonymous wrote:

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@DrDG wrote:

Been looking into Barclaycard Reward, a little afraid of Capital 1. I have never seen such horrible reviews as theirs. I googled Cap 1 CC reviews. I believe they were on Credit Karma. Horrible reviews of taking people through the ringer. Can you tell me if the pre-qual site does a hard or soft pull?

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Soft.

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Yes, their customer service is one of the worst, but they do accept people other companies reject, and it has been a stepping stone for many, myself included. They have a great credit-step program, which you should be able to qualify for (I am assuming you have no baddies). I got my first home mortgage on the strength of my good payment history with CO, which brought me to 740 in less than one year.

[1GaDawg85]

Take what you read with a grain of salt, Cap1 is a decent  lender for everyone but takes time for them to grow

[Anonymous]

If you are in an area served by Liberty Bank and Trust they are worth a look.  Have to upload a copy of your driver's license and your pay stubs, but they are very forgiving on credit by philosophy.  Gave me a $10k line with 9.9% interest.  Looking at the who gave me credit website they will extend credit even if you have a recent bankruptcy discharge or whatever.  It is a minority owned bank that is very successful  

[Anonymous]

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@1GaDawg85 wrote:

Take what you read with a grain of salt, Cap1 is a decent  lender for everyone but takes time for them to grow

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If by time you mean an eternity, Then i agree.

Get a Cap1, let it age. Close it, Reapply for better Limit/Terms once your credit profile improves significantly.