@nicholasyud wrote:Thanks for the info on your history as that makes a lot of difference. The charge offs and collection are killing your scores, even at 4 years old. Your scores will slowly rise over time and the negatives will dissapear after 7 years. Whether you get to 700 any time soon is unlikely. You don't have to wait THAT long to apply for what you want, I'm just suggesting that you will likely get higher CL's if you wait until the baddies age and you have more time under your belt with good payment histoD
DOFD is April 2008 when i first miss my payment.........so when would you think its would be a best time for me to apply for Discover or Amex ? i know when i hit to 700 but also want to know if i would get it both the same time or what i mean i just want to rebuild my solid credit file and kinda new to this kind of credit game so you know sometime its hard to make a decision...........;-( What do you suggest on my case ?
As I said earlier, sit on what you have for two years and then try for something new. If you just can't wait, try after a year if you want to be approved for something meaningful with a decent CL. Sorry if I am bursting your bubble, but credit has to be looked at strategically (long term) rather than tactically (short term). If you feel that you can't take my advice, apply for an AMEX Zync and take your chances. 
@android01 wrote:
@nicholasyud wrote:Thanks for the info on your history as that makes a lot of difference. The charge offs and collection are killing your scores, even at 4 years old. Your scores will slowly rise over time and the negatives will dissapear after 7 years. Whether you get to 700 any time soon is unlikely. You don't have to wait THAT long to apply for what you want, I'm just suggesting that you will likely get higher CL's if you wait until the baddies age and you have more time under your belt with good payment histoD
DOFD is April 2008 when i first miss my payment.........so when would you think its would be a best time for me to apply for Discover or Amex ? i know when i hit to 700 but also want to know if i would get it both the same time or what i mean i just want to rebuild my solid credit file and kinda new to this kind of credit game so you know sometime its hard to make a decision...........;-( What do you suggest on my case ?
As I said earlier, sit on what you have for two years and then try for something new. If you just can't wait, try after a year if you want to be approved for something meaningful with a decent CL. Sorry if I am bursting your bubble, but credit has to be looked at strategically (long term) rather than tactically (short term). If you feel that you can't take my advice, apply for an AMEX Zync and take your chances.
Its super hard to stay in the garden when rebuilding... I have 8-10 inquiries on each bureau the past 6 months! Lol... And now, almost two months in the garden, feels years!
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
As I said earlier, sit on what you have for two years and then try for something new. If you just can't wait, try after a year if you want to be approved for something meaningful with a decent CL. Sorry if I am bursting your bubble, but credit has to be looked at strategically (long term) rather than tactically (short term). If you feel that you can't take my advice, apply for an AMEX Zync and take your chances.
so you defin think its not a good idea to get a Discover and get it aged ? By the time in the next 2 years i open up a discover then its gonna be a brand new accoutn and they probably lower my AAOA right ? I would lovely to hear your advice but i just want to get on the straight up line not on the mess up past that i already create......you know wat i mean....
Starting Score: 560
Its super hard to stay in the garden when rebuilding... I have 8-10 inquiries on each bureau the past 6 months! Lol... And now, almost two months in the garden, feels years!you are damn right lol....its so itchy when we gotta stick with those non sense card lol
@nicholasyud wrote:
Its super hard to stay in the garden when rebuilding... I have 8-10 inquiries on each bureau the past 6 months! Lol... And now, almost two months in the garden, feels years!you are damn right lol....its so itchy when we gotta stick with those non sense card lol
I agree!!! I mean, capital one helped me a lot but I feel like I need that one prime card in my wallet.... Just one, and Ill garden for a while (maybe two) lol
@kobe2012 wrote:
@nicholasyud wrote:
Its super hard to stay in the garden when rebuilding... I have 8-10 inquiries on each bureau the past 6 months! Lol... And now, almost two months in the garden, feels years!you are damn right lol....its so itchy when we gotta stick with those non sense card lol
I agree!!! I mean, capital one helped me a lot but I feel like I need that one prime card in my wallet.... Just one, and Ill garden for a while (maybe two) lol
yeah i know but expert said we gotta wait 
i guess i take their advice for about 9months to 1 years then see how far my score goes....
@nicholasyud wrote:As I said earlier, sit on what you have for two years and then try for something new. If you just can't wait, try after a year if you want to be approved for something meaningful with a decent CL. Sorry if I am bursting your bubble, but credit has to be looked at strategically (long term) rather than tactically (short term). If you feel that you can't take my advice, apply for an AMEX Zync and take your chances.
so you defin think its not a good idea to get a Discover and get it aged ? By the time in the next 2 years i open up a discover then its gonna be a brand new accoutn and they probably lower my AAOA right ? I would lovely to hear your advice but i just want to get on the straight up line not on the mess up past that i already create......you know wat i mean....
It's up to you. Personally, I don't feel that it's worth it apply to for ANY card unless I can get a decent, workable CL right from the start, which WON'T happen without a good score . If you are comfortable with a crappy opening CL in the hopes that it will grow (there are no guarantees), then by all means have at it. Don't be in such a rush!!!
but do you think its would be good in a long run with my thin credit file ? which going to fall off some charge off and stuff ?
I wouldn't try AMEX with a 650 scoe, they may give you the $200 or $500 w/autopay option. Wait it out for at least a year, then if you must go for it do it.
